No. There are many distinctions between car accidents and trucking accidents. Many of those distinctions result from additional rules and regulations that apply to commercial trucks and that do not apply to passenger vehicles.
You are entitled to recover monies for the damage to your property (motor vehicle), medical expenses, both those that you have already paid and those that you can establish you are reasonably expected to incur in the future, lost wages, both wages you have already lost as well as wages you can establish that you are reasonably expected to lose in the future, non-economic damages (commonly referred to as “pain and suffering”), permanent physical impairment and permanent disfigurement. This list is not exhaustive and there are other damages potentially available depending upon the particular circumstances of your case.
Generally, the driver of the truck and the employer for whom he is driving are the parties to be held responsible when a truck accident occurs.
Contributory negligence means that if you are found to be partially at fault for your accident, even if minimally so, you will be barred from recovering monies from other at fault parties. This is a legal doctrine that is exceedingly harsh to claimants and serves as another reason why you should never speak with an insurance company prior to speaking with an attorney.