Federal regulations require motor carriers to have insurance for the protection of the public, which may be injured by collisions on the highway. 49 U.S.C. § 13906; 49 C.F.R. § 376.12(j)(1). Carriers may provide service through leased equipment—and a leased truck frequently is owned by its driver, who comes with the lease. See Transamerican Freight Lines, Inc. v. Brada Miller...
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