Cheapest Owner Operators Truck Insurance Timberwood Park, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Timberwood Park, Texas. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Timberwood Park, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Timberwood Park, Texas in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Timberwood Park is a census-designated place (CDP) in far Northern unincorporated Bexar County, Texas, United States and located within the southern edge of the Texas Hill Country. The district has roughly 42 miles of roads and encompasses over 2,000 acres. The overall plan shows 3,263 platted lots. The population was 35,217 at the 2020 census, up from 13,447 at the 2010 census. It is part of the San Antonio Metropolitan Statistical Area.
Timberwood Park is a neighborhood exclusive from other separate neighborhoods that butt up to Canyon Golf Road to its east, by Deer Cross Lane and Midnight Drive to its south, Borfgeld Road to its north, and Blanco Road up to Slumber Pass on the west, with the most northwesterly border of the neighborhood encompassing only so far west as Bubbling Brook Drive, Sunny Meadow Drive, Silent Hollow, Symphonic Hill, and Streisand Street. Timberwood Park is about 22 miles (35 km) north of downtown San Antonio.
According to the United States Census Bureau, the CDP has a total area of 21.07 square miles (54.6 km), of which, 21.02 square miles (54.4 km2) of it is land and 0.05 square miles (0.13 km) is water.
Timberwood Park has a humid subtropical climate (Köppen: Cfa) featuring long, hot, and muggy summers and mild to cool winters. The area is subject to descending northern cold fronts and arctic fronts in the winter with cool to cold nights, typically seeing night lows at or near freezing and is cool to warm and rainy in the spring and fall. The area can also be subject to fairly regular ice and snow storms, with the most recent snowstorm dumping between 9-10 inches of snow between February 14 and 18 in 2021 “2021 Texas Snowfall totals” (PDF). NOAA. Retrieved February 1, 2023. and the most recent ice storm depositing nearly a quarter inch of ice on February 1, 2023.
Timberwood Park falls in USDA hardiness zone 8b (15 °F to 20 °F).
Timberwood Park observes an average of 19 subfreezing nights each year. The area also sees an average of 20 100 °F+ days each summer, but some years feature none (2021) or may suffer through up to 50 (2022).
As of the 2020 United States census, there were 35,217 people, 7,513 households, and 6,069 families residing in the CDP.
As of the census of 2000, there were 5,889 people, 2,002 households, and 1,721 families residing in the CDP. The population density was 309.5 inhabitants per square mile (119.5/km2). There were 2,065 housing units at an average density of 108.5 per square mile (41.9/km). The racial makeup of the CDP was 90.25% White, 1.10% African American, 0.46% Native American, 1.09% Asian, 4.33% from other races, and 2.77% from two or more races. Hispanic or Latino of any race were 20.26% of the population. The area submitted a petition signed by more than 4,100 residents to the City of San Antonio seeking immediate annexation – a ploy to get permission from the Texas Legislature to incorporate under Texas Statutory law.
There were 2,002 households, out of which 44.7% had children under the age of 18 living with them, 78.2% were married couples living together, 5.6% had a female householder with no husband present, and 14.0% were non-families. 11.4% of all households were made up of individuals, and 2.8% had someone living alone who was 65 years of age or older. The average household size was 2.94 and the average family size was 3.18.
In the CDP, the population was spread out, with 29.4% under the age of 18, 5.4% from 18 to 24, 31.5% from 25 to 44, 27.5% from 45 to 64, and 6.2% who were 65 years of age or older. The median age was 38 years. For every 100 females, there were 100.2 males. For every 100 females age 18 and over, there were 96.7 males.
The median income for a household in the CDP was $79,053, and the median income for a family was $83,203. Males had a median income of $52,196 versus $36,761 for females. The per capita income for the CDP was $34,385. About 1.8% of families and 3.4% of the population were below the poverty line, including 5.5% of those under age 18 and 5.6% of those age 65 or over.
Politically, Timberwood Park is one of the most conservative regions of Bexar County and voted for Donald Trump in 2016 and 2020 by large margins.
Timberwood Park is served by the Comal Independent School District, and North East Independent School District.
The CISD portion is assigned to:
The NEISD portion is assigned to:
Previously areas in Timberwood Park in NEISD had Oak Meadow Elementary as the overflow school.
Roan Forest Elementary previously served sections of the NEISD portion.
Reagan previously served all of the NEISD portion. After Johnson opened, portions of Timberwood Park were reassigned to Johnson.
