As steep increases on certain universal life insurance policy premiums continue to attract nationwide attention, one segment of the population in particular is feeling the impact of these fast-rising costs.

Some retirees or soon-to-be retirees, many of whom purchased their universal life insurance policies in the 1980s, are now facing increases on their premiums in the double-digit percentages. In some instances, this amounts to thousands of dollars a year—just to keep the death benefit from lapsing, while the “nest egg” cash value component of the policy is nearly exhausted.

Accidents involving commercial trucks can be particularly damaging because of these vehicles’ size, weight, and lack of mobility. If you or a family member has been injured by a tractor trailer, semi-truck, rig or other large commercial truck or vehicle, it’s important to understand the specific rules that govern these vehicles and their drivers. These official regulations can help determine liability in the event of a collision.

If you or a family member has been injured by a tractor trailer, semi-truck, rig or other large commercial vehicle or truck as a result of driver negligence, evidence documenting the details of the accident can be critical in proving liability. In many cases, a truck accident claim requires more investigation than a standard motor vehicle collision case.

Due to the inherent danger large commercial vehicles pose to other motorists on the road, highly specific federal and state regulations exist governing these trucks and their drivers. Both the U.S. Department of Transportation and the Federal Motor Carrier Safety Administration (FMCSA) issue regulations that apply to all employers, employees, and commercial motor vehicles that transport property or passengers in interstate commerce.