Insurance Requirements for Owner Operators Chamblee, Georgia
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Chamblee, Georgia. 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 Chamblee, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Chamblee, Georgia 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.
Chamblee ( SHAM-blee) is a city in northern DeKalb County, Georgia, United States, northeast of Atlanta. The population was 30,164 as of the 2020 census.
The area that would later become Chamblee was originally dairy farms. During the late nineteenth century, an intersection of two railroads was constructed in Chamblee; one carried passengers from Atlanta to Charlotte, North Carolina, while the other ferried workers and goods back and forth from a factory in Roswell to Atlanta. A settlement known as Roswell Junction emerged at the intersection, and the United States Postal Service decided to establish a post office there. However, feeling the name of the settlement was too similar to nearby Roswell, they randomly selected Chamblee from a list of petitioners for the new post office name. Chamblee was incorporated in 1907.
During World War I and World War II, Chamblee served as the site of U.S. military operations. During World War I, the U.S. operated Camp Gordon, home to 40,000 servicemen. This influx of new people created a building boom in the town. Camp Gordon was closed after the war and then re-opened as Navy Flight Training Center at the advent of World War II.
Immediately after World War II, Chamblee experienced growth in blue-collar industry and residents due to its proximity to the newly opened General Motors plant in neighboring Doraville. Manufacturing plants also located along the newly constructed Peachtree Industrial Boulevard. By the 1980s, much of the city’s industrial base had downsized or eroded; in its place sprang up multi-ethnic businesses that catered to the immigrants and refugees moving to Chamblee and Doraville en masse due to the cities’ affordable housing. By the time of the 1996 Summer Olympics, Chamblee had emerged as a multi-cultural city inhabited by a large immigrant community.
During the first decade of the 2000s, the city grew as it refined its image, constructing a new city hall in 2002. In 2010, Chamblee annexed an area directly to the northwest that includes Huntley Hills and a resident population of approximately 5,000. It also renamed Peachtree Industrial Boulevard to Peachtree Boulevard, and took steps to revitalize its downtown. In 2012 the city had an annexation proposal that was voted down by a small margin. In November 2013 the city had another annexation proposal that was passed by voters. Following the annexation, the city and neighboring Brookhaven had a dispute in 2014 over which city would annex the Century Center development. The courts gave Century Center to Chamblee.
According to 2020 Census data, Chamblee effectively tripled its population since 2010. It started the decade with roughly 9,800 residents and ended it with more than 30,000, mostly due to two annexations. The only city to gain more residents in that time was Atlanta, and only two Georgia cities — Morgan and Pendergrass — grew at faster rates in the 2010s. City leaders have credited Chamblee’s location as a transportation hub, with close proximity to two interstates, a MARTA station and the Peachtree-DeKalb Airport, as a key reason for the city’s growth. In the early 2020s Chamblee attracted multiple mixed-use developments and office projects.
Chamblee is south of Dunwoody, southwest of Doraville, northeast of Brookhaven, and north of Interstate 85. The city is located at 33°53′15″N 84°18′19″W / 33.88750°N 84.30528°W (33.887552, -84.305326). According to the United States Census Bureau, the city has a total area of 3.1 square miles (8.0 km), all land.
GRTA Xpress / RTA commuter buses and MARTA heavy rail subway and buses serve the county.
The Chamblee Rail Trail is situated in Chamblee. It offers a short but useful paved pathway through downtown, passing under busy Peachtree Boulevard.
At its northern end, sits the city’s largest park, Keswick Park, and just two blocks from the trail’s southern end is the Chamblee MARTA Station off Peachtree Road. Natural landscaping and trees keep the route pleasant, while many businesses and restaurants are just steps away.
Work is underway to extend the trail along the former Roswell Railroad spur, bringing the pathway east to Pierce Drive, with long-term plans in the works to link the pathway into the rapidly-developing regional trail network and the Atlanta Beltline. Currently, there are plans for the construction of a multi-use trail, known as the Peachtree Creek Greenway. The goal of the greenway is to provide residents with close-to-home and close-to-work access to bicycle and pedestrian trails, serve transportation and recreation needs, and help encourage quality of life and sustainable economic growth. The trail will connect the cities of Atlanta, Brookhaven, Chamblee and Doraville.
As of the 2020 United States census, there were 30,164 people, 11,526 households, and 5,488 families residing in the city. The racial and ethnic composition of population was 31.23% white. 13.36% Black or African American, .19% Native American, 8.62% Asian or Pacific Islander, 3.13% with one or more races unidentified. 43.48% of Chamblee residents are Hispanic or Latino.
From 2010 to 2020, the population inside Chamblee had tripled. Influx into Chamblee was spread among identified ethnic groups. More Asian and African-American people moved into Chamblee compared to the other races.
As of the 2010 Census Chamblee had a population of 9,892. The racial and ethnic composition of the population was 45.0% white (19.0% non-Hispanic white), 7.0% black or African American (6.2% non-Hispanic black), 2.1% Native American (0.2% non-Hispanic Native American), 8.0% Asian (1.8% Vietnamese, 1.6% Asian Indian, 4.6% other Asian), 33.5% from some other race (0.2% non-Hispanic from some other race) and 4.1% reporting two or more races. 58.5% of the population was Hispanic or Latino of any race.
As of the census of 2000, there were 9,552 people, 2,673 households, and 1,849 families residing in the city. The population density was 3,043.3 inhabitants per square mile (1,175.0/km). There were 2,730 housing units at an average density of 869.8 per square mile (335.8/km). The racial makeup of the city was 45.36% White, 3.71% African American, 0.91% Native American, 13.98% Asian, 0.32% Pacific Islander, 31.45% from other races, and 4.27% from two or more races. Hispanic or Latino of any race were 56.37% of the population.
There were 2,673 households, out of which 33.9% had children under the age of 18 living with them, 46.4% were married couples living together, 9.0% had a female householder with no husband present, and 30.8% were non-families. 15.8% of all households were made up of individuals, and 4.1% had someone living alone who was 65 years of age or older. The average household size was 3.57 and the average family size was 3.65.
In the city, the population was spread out, with 23.2% under the age of 18, 17.9% from 18 to 24, 41.0% from 25 to 44, 12.8% from 45 to 64, and 5.0% who were 65 years of age or older. The median age was 28 years. For every 100 females, there were 161.3 males. For every 100 females age 18 and over, there were 176.9 males.
The median income for a household in the city was $45,992. Males had a median income of $22,024 versus $22,368 for females. The per capita income for the city was $15,492. About 15.8% of families and 22.9% of the population were below the poverty line, including 25.2% of those under age 18 and 7.8% of those age 65 or over. In addition, 16.7% of families reported a household income higher than $100,000.
Past Names for City Neighborhoods
Atlanta Chinatown
According to Biz Journal, the Atlanta metropolitan area is home to an “… estimated 50,000 Chinese-Americans….” This suburb of Atlanta, Georgia is home to a Chinatown (Chinese: 亚特兰大唐人街; pinyin: Yàtélándà tángrénjiē) that was built in 1988, and is one of the first of the “New Chinatowns” according to the World Journal. Although the city of Atlanta itself does not have a “Chinatown”, Chamblee’s Chinatown mall is referred to as “Atlanta Chinatown.” The neighborhood is part of the Buford Highway international market area and is located near the Chamblee MARTA station and New Peachtree Road. According to the Atlanta Journal-Constitution (AJC), refers to this “Chinatown Mall” as “… Atlanta’s place for Chinese culture.” According to the official website, “Atlanta Chinatown” is located at 5379 New Peachtree Road. According to the Huffington Post, this Chinatown is an example of a “modern Chinatown”, with Albany, Las Vegas, Dallas-Richardson, and North Miami Beach, Florida referenced as similar examples, with regard to the quality of Chinese food. There is an annual Chinese New Year event that is held to celebrate the festival. The author further states that Atlanta’s Chinatown is “… unlike many older cities” which exists in an urban setting. Atlanta’s Chinatown according to her is “… in a strip mall” setting. Bonnie Tsui further states in her book that the new Chinatowns rely on the Chinatown being built before the Chinese population comes, as she quoted about Las Vegas’ Chinatown.
The Atlanta Chinatown market opened on August 8, 1988, and was further expanded in 1996 with an influx of new immigrants from Beijing.
According to the previous source, Atlanta’s Chinatown has bakeries, restaurants, cosmetics, bookstores, a newspaper office, and many other Chinese-oriented stores. The Chinatown is currently managed by Rochelle Anthony, who is an African American.
According to Biz Journal, Atlanta Chinatown was completely redone in the year 2000 by developer Peter Chang, who purchased the old “Chinatown Square Mall”. The plans call for “…the 65,000-square-foot mall [to include] a Chinese food court which contains 7 vendors, two dine-in restaurants, several offices, a Dinho Supermarket, gift shops, a bookstore, jewelers, a video rental store, a beauty salon and other retailers. It will be part of the International Village project, a 375-acre live and work community with a global theme that is being developed by local business leaders, the DeKalb Chamber of Commerce, DeKalb County and the city of Chamblee.” According to this article, the plans are to make Atlanta Chinatown a tourist destination rather than it just being another shopping mall.
The City of Chamblee operates under a mayor and council-city manager form of government. The Chamblee City Council is composed of a mayor and five council members. The City is divided into four council districts and one at-large district. One council member is elected from each of the four districts and one council member is elected from the city at large. The council members who are elected for the four districts must live in the district that they represent but all five council members are elected by a city-wide vote.
The Council enacts ordinances, establishes policy, adopts the annual budget, and establishes the ad valorem tax rate for each year. The City Manager is responsible for implementing the policies set forth by the Council, overseeing all City employees, and managing the day-to-day operations of the City.
2023:
City Manager: Jon Walker
Mayor: Brian Mock
Council Members: Elmer Veith, Jimmy Furst, John Mesa, Paul Stovall
Mayor Pro Tem and Council Member: Leslie C. Robson
The DeKalb County School System serves Chamblee.
Elementary
Kittredge Magnet School for High Achievers is in Brookhaven.
Middle schools
High schools
Henderson High School served residents of Chamblee until closed in mid-1990s.
In the 2005–2006 school year the administration of Sophia Academy, previously in Sandy Springs, sought to establish a new campus and did a capital campaign. Construction began circa 2007. The new campus, in DeKalb County, was annexed into Chamblee. Sophia merged into Notre Dame Academy in Duluth, Georgia effective August 2017.
DeKalb County Public Library operates the Chamblee Branch. Embry Hills Library is located in Chamblee.
Buford Highway (also Buford Highway Corridor, DeKalb International Corridor, and in the 1990-2000’s as the DeKalb County International Village district), is a community northeast of the city of Atlanta, celebrated for its ethnic diversity and spanning multiple counties including Fulton, DeKalb, and Gwinnett counties in the U.S. state of Georgia. The area generally spans along and on either side of a stretch of Georgia State Route 13 (SR 13) in DeKalb County. It begins just north of Midtown Atlanta, continues northeast through the towns of Brookhaven, Chamblee, Doraville, and Norcross. Most properties along the corridor are in the form of strip malls, retail businesses surrounded by large parking lots, and large apartment complexes. The largest strip malls are the Northeast Plaza, Plaza Fiesta and the Buford Highway Farmers Market complex.
Chamblee is twinned with: