Insurance Requirements for Owner Operators Atascocita, Texas
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Atascocita, 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 Atascocita, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Atascocita, 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.
Atascocita is a census-designated place (CDP) in Harris County, Texas, United States, within the Houston metropolitan area. As of the 2020 census it had a population of 88,174. It is located north and south of Farm to Market Road 1960 about 6 miles (10 km) east of Humble and 18 miles (29 km) northeast of downtown Houston in northeastern Harris County.
Bordered on its eastern shore by the 12,000-acre (4,900 ha) Lake Houston, the community contains several parks, country clubs, and golf courses, including Atascocita Country Club, Walden on Lake Houston Golf and Country Club, and Tour 18, a recreation of some of the United States’ most celebrated golf holes.
Atascocita was named one of the “Best Places to Retire” by U.S. News & World Report, citing Lake Houston’s boating and fishing opportunities and Atascocita’s numerous golf courses.
Atascocita’s name derives from the Atascocito military outpost and subsequent road constructed by the Spanish in 1756. The Atascocito Road stretched from Spanish Louisiana in the east to San Antonio in the west, connecting eastern Texas to the rest of New Spain. The Atascocito Road was a major route for American migrants moving to Texas in the 1820s and 1830s. It is unclear exactly when Atascocito shifted to Atascocita.
The City of Houston annexed portions of what would become Atascocita in the 1960s, but it was de-annexed in the late 1970s.
Construction in the area began in the 1970s. In the 1990s Atascocita included fifteen neighborhoods and was one of the fastest-growing developments in the Greater Houston area.
In 2009 the Gadberry Group named Atascocita as one of “9 from 2009” most notable high growth areas in the United States. The 2010 census listed Atascocita’s population as 65,844, up from 35,757 at the 2000 census.
Atascocita has two community newspapers, The Tribune Newspaper and The Atascocita Observer.
Atascocita is located at 29°59′36″N 95°10′55″W / 29.99333°N 95.18194°W (29.993365, -95.182054).
According to the United States Census Bureau, the CDP has a total area of 25.4 square miles (65.8 km), of which 25.3 square miles (65.4 km) is land and 0.19 square miles (0.5 km), or 0.74%, is water.
Syd Kearney, author of A Marmac Guide to Houston and Galveston, “There are fine resort homes in sections such as Atascocita Shores.”
As of the 2020 United States census, there were 88,174 people, 26,022 households, and 20,636 families residing in the CDP. As of the census of 2010, there were 65,844 people, 11,006 households, and 9,432 families residing in the CDP. The population density was 1,296.3 inhabitants per square mile (500.5/km). There were 11,342 housing units at an average density of 411.2 per square mile (158.8/km).
The racial makeup of the CDP in 2010 was 67.8% White, 19.2% African American, 0.5% Native American, 2.8% Asian, 0.3% Pacific Islander, and 2.9% from two or more races. Hispanic or Latino of any race were 22.08% of the population. In 2020, its racial and ethnic makeup was 38.92% non-Hispanic white, 22.86% Black or African American, 0.25% Native American, 3.31% Asian, 0.2% Pacific Islander, 0.49% some other race, 3.61% multiracial, and 30.37% Hispanic or Latino of any race.
In the CDP as of 2010, the population was spread out, with 30.0% under the age of 18, 8.7% from 18 to 24, 35.7% from 25 to 44, 21.9% from 45 to 64, and 3.8% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 111.8 males. For every 100 females age 18 and over, there were 113.5 males.
The median income for a household in the CDP was $83,314. The per capita income for the CDP was $31,496 About 2.2% of families and 3.1% of the population were below the poverty line, including 2.7% of those under age 18 and 3.2% of those age 65 or over. In 2020, the American Community Survey estimated its median household income increased to $103,676.
Atascocita’s median home price was $153,100 as of 2017; there are many subdivisions in Atascocita, ranging from small, intimate neighborhoods to large, master-planned communities like Eagle Springs, Walden on Lake Houston, The Groves, The Bridges on Lake Houston, Balmoral, Lakeshore, Waters Edge, Summerwood, Pinehurst and Atascocita Shores. New home prices range from under $200,000 to over $20 million.
The Atascocita Fire Department provides fire protection and emergency medical services. The Harris County Sheriff’s Office provides police services.
The Atascocita CDP is divided between Harris County Precinct 1 and Harris County Precinct 4. As of 2022, Commissioners Rodney Ellis and Lesley Briones head the precincts, respectively.
The CDP is served by the Harris County Sheriff’s Office District II Patrol, headquartered from the Humble Substation at 7900 Will Clayton Parkway in Humble. The Harris County Sheriff’s Office Academy is in Atascocita.
The Harris County Fire Marshall’s offices are in Atascocita.
The Sheriff’s Office opened the Atascocita boot camp, a correctional facility for county inmates, in 1991. It closed in September 2004 as the county decided that its rehabilitation value was questionable. The vocational programs, once at the camp, were transferred to the Downtown area.
The nearest public clinic of the Harris Health System (formerly Harris County Hospital District) is the E.A. “Squatty” Lyons clinic in Humble. The nearest public hospital is Lyndon B. Johnson General Hospital in northeast Houston.
Pam Lychner Unit, a Texas Department of Criminal Justice state jail for men, is located in the Atascocita CDP. The state jail, which has beds for 2,200 residents and a residential probation program with 450 beds, was named after Pam Lychner.
Atascocita students attend school in the Humble Independent School District.
Elementary schools within Atascocita CDP include Atascocita Springs, Eagle Springs, Oaks, Pine Forest, Timbers, and Whispering Pines. Maplebrook Elementary School is in the limited purpose city limits of Houston and surrounded by Atascocita CDP. Other elementary schools serving portions of Atascocita include Deerwood (Kingwood), Greentree (Kingwood), Lakeshore (Houston), Park Lakes (unincorporated), River Pines (unincorporated), and Summerwood (Houston).
Most of Atascocita CDP is served by Atascocita Middle School in the limited purpose city limits of Houston, and Humble Middle School, Timberwood Middle School, and Wood Creek Middle School in Atascocita. Some portions are zoned to Sterling Middle School in Humble, Creekwood Middle School in Kingwood, and Riverwood Middle School in Kingwood.
Most of Atascocita CDP is served by Atascocita High School in Atascocita, while portions are served by Humble High School in Humble, Kingwood High School in Kingwood, and Summer Creek High School in an unincorporated area outside of Atascocita.
Previously Humble High School served the Atascocita area until rapid growth in the community forced the construction of Atascocita High School in 2006. With an exterior modeled after Thomas Jefferson’s iconic Monticello estate, the 435,000-square-foot (40,400 m), $46.9 million school was built on a 100-acre (40 ha) heavily wooded parcel of land in the center of Atascocita. Since its opening, Atascocita High School has garnered an impressive list of academic accolades including being labeled a “Recognized” campus by the Texas State Board of Education in 2010. All students attending the Humble Independent School District have the option to apply for admission to Quest Early College High School, a magnet high school in Atascocita.
The PK-5 Holy Trinity Episcopal School is in proximity to Atascocita.
Lone Star College opened its Atascocita Center in August, 2011. The center offers access to adult basic education/GED, English as a Second Language, college classes to meet degree requirements and Academy for Lifelong Learning (ALL) for seniors. The University of Houston–Downtown also offers a bachelor’s degree in business administration in the evenings at the center.
Atascocita is served by the Atascocita Branch Library of the Harris County Public Library (HCPL), located inside the CDP. In 1986 the Atascocita Hi Neighbor group began to campaign for a library in Atascocita. The 12,000-square-foot (1,100 m) branch was built from 1994 to 1996 with the help of Janette Dennis, an Atascocita resident and philanthropist, and opened on May 5, 1996. Janette Dennis helped spearhead “The Friends of the Atascocita Library” (FOAL) donates around $20,000 United States dollars per year to the library.
Atascocita Park, 20-acre (8.1 ha) of space, on Lake House Parkway, opened on June 24, 2020. A part of Harris County Precinct 2, it had a cost of $11,500,000. It has a dog park with 1 acre (0.40 ha) of space, a boardwalk with a 2-acre (0.81 ha) pond, and a playground with skywalks.
Lake Houston is in the Atascocita area. Syd Kearney, author of A Marmac Guide to Houston and Galveston, said that Atascocita was “synonymous with golf, tennis, and other great recreational features on Lake Houston.”
Harris County Precinct 4 operates the 136 acres (55 ha) Lindsay/Lyons Park and Sports Complex. The complex has barbecue grills, one barbecue pavilion, 10 lighted baseball fields, 2 lighted American football fields, picnic tables, 2 playgrounds (one is an all-inclusive playground and toilet facility for children of all physical abilities), 4 lighted softball fields, 18 unlighted soccer (football) fields, and toilet facilities. Additions added later in the park’s life include a donor pavers garden, sensory garden for children with impaired sight, three 30-seat picnic pavilions, a paved walking trail around the playground, and additional trees.
