Insurance Requirements for Owner Operators Clinton, Mississippi
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Clinton, Mississippi. 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 Clinton, Mississippi with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Clinton, Mississippi 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.
Clinton is a city in Hinds County, Mississippi, United States. Situated in the Jackson metropolitan area, it is the tenth largest city in Mississippi. The population was 28,100 at the 2020 United States census.
Founded in 1823, Clinton was originally known as Mt. Salus, which means “Mountain of health”. It was named for the plantation home of Walter Leake, third governor of Mississippi, which was located in Clinton and built in 1812. The road east from Vicksburg was completed to Mount Salus and the federal government located the district land office at Mount Salus in 1822. The original federal survey in 1822 references a spring called “Swafford’s Spring” at the site of the town. In 1828, the city changed its name to Clinton in honor of DeWitt Clinton, the former governor of New York who led completion of the Erie Canal.
The first road through Mount Salus/Clinton was the Natchez Trace, improved from a centuries-old Native American path. Currently Clinton has three major highways that pass through the city: the Natchez Trace Parkway, U.S. Route 80, and Interstate 20.
Mississippi College, a Christian university located in Clinton, is the oldest college in the state of Mississippi. It was founded January 24, 1826, as Hampstead Academy, the second male college in the state after Jefferson College. Mississippi College is the second oldest Baptist university in the world, and was the first coeducational college in the United States to grant a degree to a woman. Clinton is home to sports teams known as the “Clinton Arrows” and “Mississippi College Choctaws”. Hillman College, originally for women, was founded in 1853 as Central Female Institute, supported by the Central Baptist Association. It changed its name in 1891. Mount Hermon Female Seminary, a historically black college, was established in 1875 by Sarah Ann Dickey. It closed in 1924 as students moved to co-educational institutions.
The Clinton-Vicksburg Railroad was the second oldest in the state, incorporated in 1831. It contributed to the export of 20,000 bales of cotton annually from this city, the most of any city between Vicksburg and Meridian. Cotton from three surrounding counties was shipped through Clinton and by rail to Grand Gulf on the Mississippi.
During the Civil War, Confederate forces, as well as Union troops— the latter commanded by generals Ulysses S. Grant and Sherman—briefly occupied Clinton on their way to the Battle of Vicksburg in May 1863. Grant had mistakenly believed that John C. Pemberton, a Confederate general, would attack him at Clinton. Grant finally took Vicksburg in this campaign.
In September 1875 during the election campaign, a Republican political rally was held in downtown Clinton, where 3,000 people were gathered expecting Governor Adelbert Ames and other prominent speakers. White insurgents disrupted the rally, attacking blacks in what was called the “Clinton Riot.” It resulted in the deaths of several white men and an estimated 50 blacks later that night and over the next few days. More armed whites arrived by train and attacked blacks. Among the black victims were schoolteachers, church leaders, and local Republican organizers.
Whites had been attacking black and white Republicans in every election cycle, and that year the paramilitary Red Shirts arose in the state as a force to intimidate blacks and suppress black voting. The governor appealed to the federal government for protection and the U.S. government sent more troops. But election-related violence continued through the fall and, together with fraud at the polls, resulted in white Democrats regaining control of the state legislature and, in 1876, the governor’s seat. This political shift signaled the end of the Reconstruction era, confirmed when the federal government withdrew remaining troops in 1877.
During World War II, Camp Clinton was established as a German POW camp south of town; it housed about 3,000 German soldiers. Most of the prisoners were from the Afrika Korps. Of the 40 German generals captured in the war, Camp Clinton housed 35 of them. The German soldiers provided the labor to build a replica model of the Mississippi River Basin for the U.S. Army Corps of Engineers, used for planning and designing flood prevention.
Clinton, the smallest city to ever host a Fortune 500 company, was the headquarters for WorldCom from the mid-1990s until 2002. WorldCom went bankrupt due to what was at the time the largest accounting scandal in U.S. history. The financial dealings resulted in fraud-related convictions of Bernard Ebbers, CEO, and Scott Sullivan, CFO. The company changed its name to MCI and moved its corporate headquarters location to Ashburn, Virginia. Verizon, MCI’s successor, owns SkyTel (no relation to Bell Mobility’s Skytel brand). It still occupies the massive former WorldCom compound in Clinton.
On April 15, 2011, an EF3 tornado struck the city at about 11:00 am. CDT. It produced damage near Interstate 20, which included total destruction to the BankPlus building. Malaco Records was destroyed as well. Ten people were injured by the tornado.
According to the 2010 United States census, the city has a total area of 42.147 square miles (109.16 km), of which 41.822 square miles (108.32 km) is land and 0.325 square miles (0.84 km) is water.
Up from 2010’s 25,216 people, the city of Clinton had a population of 28,100 people, 9,047 households, and 6,187 families according to the 2020 census. According to the 2020 census, its population was 51.3% non-Hispanic white, 38.1% Black and African American, 0.2% Native American, 4.6% Asian, 3.1% two or more races, and 2.8% Hispanic or Latino of any race.
Clinton operates as a code charter form of government, divided into six Wards. The local governing body consists of the mayor, one Alderman representing each of the six Wards and one Alderman-at-Large whose duty is to represent the entire community.
As of July 3, 2017, Philip R. Fisher, a retired major general in the Mississippi National Guard, is the city’s mayor. The Board of Aldermen are Karen Godfrey (Ward 1), Jim Martin (Ward 2), Robert Chapman (Ward 3), Chip Wilbanks (Ward 4), Beverly Oliver (Ward 5), James Lott III (Ward 6) and Ricki Garrett (Alderwoman-At-Large).
At one point WorldCom (now Verizon) was headquartered in Clinton. In 2003 the company announced that it would move its headquarters to Virginia.
Automotive component manufacturer Delphi Corporation operated a plant in Clinton from the early 1970s until its closure in 2009, making cable and wiring connectors. When Delphi closed the plant in late 2009, with the loss of 280 jobs, production moved to Delphi’s Warren, Ohio facility.
The city of Clinton’s public schools are served by the Clinton Public School District.
Private schools:
Jackson/Hinds Library System operates the Quisenberry Library in Clinton. In 2018 the Clinton city government, citing problems with the sanitary condition, closed the library. It stated that it would reopen if the library system revised the terms of the library lease.
The Mississippi Brilla is a soccer team competing in USL League Two (PDL), the fourth highest league of the American Soccer Pyramid, and play in the Mid-South Division of the Southern Conference. They play their home games at Traceway Park in the city of Clinton.
