Insurance Requirements for Owner Operators Crown Point, Indiana
JDW Truckers Insurance can answer your questions regarding Insurance Requirements for Owner Operators Crown Point, Indiana. 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 Crown Point, Indiana with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Crown Point, Indiana 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.
Crown Point is a city in and the county seat of Lake County, Indiana, United States. The population was 33,899 at the 2020 census. The city was incorporated in 1868. On October 31, 1834, Solon Robinson and his family became the first settlers to an area that later became Crown Point. Due to its location, Crown Point is known as the “Hub of Lake County”.
The city is surrounded by Merrillville to the north, Winfield to the east, Cedar Lake to the southwest, St. John to the west, and unincorporated Schererville to the northwest. The southern and southwestern parts of Crown Point border some unincorporated areas of Lake County.
On October 31, 1834, Solon Robinson and his family became the first settlers to stake a claim in the area that would eventually become Crown Point. In February 1837, Lake County was incorporated, with Liverpool, Indiana, as the county seat. Later that year, Solon Robinson funded a US$500 project to build a new wooden county courthouse in Crown Point, and the legislature was delighted to designate it as the county seat. It was not until 1868 that Crown Point was incorporated as a city.
In 1878, construction began on a new, larger county court house and clock tower. This new court house, now known as the Grand Old Lady, was built in the center of town and became the dominant feature of Crown Point (further additions to this courthouse would be made from 1907–1928). Campaigning for the presidency of the United States, William Jennings Bryan addressed a crowd from the steps of the court house in 1896. In 1897 a crowd of 4,000 gathered to watch a winning harness racing horse bred by noted Chicago theater manager Will J. Davis and his famous wife, contralto Jessie Bartlett Davis. The Davises bred trotters and dogs at their Crown Point farm c.1885-1917 (Chicago Daily Tribune, Aug 8, 1897, pg 7). Crown Point was the site of the first Cobe Trophy automobile race, won by Louis Chevrolet in 1909.
The Old Lake County Courthouse was placed on the National Register of Historic Places in 1974, and the new Lake County Government Center opened on the north side of the city the next year.
Because Crown Point had no waiting period for marriage licenses, the city became a popular place for couples to marry; it became known as the “Marriage Mill”. Many famous people came to Crown Point to marry, including Tom Mix, Rudolph Valentino, Muhammad Ali, and Jackson 5 patriarch Joseph Jackson and their wives. Certain online sources claim that Ronald Reagan and Jane Wyman were married in Crown Point. But Reagan and Wyman were married in Glendale, California, according to sources such as Fox News, The Washington Post, and the Los Angeles Times.
The Walter Allman House, Wellington A. Clark House, Crown Point Courthouse Square Historic District, Lake County Courthouse, Lake County Tuberculosis Sanatorium, Nurses Home and Superintendent’s House, Lake County Sheriff’s House and Jail, Albert Maack House, and William Whitaker Landscape and House are listed on the National Register of Historic Places.
Locally designated residential historic districts include:
On March 3, 1934, FBI “Public Enemy #1” John Dillinger escaped from the “escape-proof” (as it was dubbed by local authorities at the time) Lake County Jail, which was guarded by many police and national guardsmen. Dillinger apparently escaped while brandishing a hand-carved wooden gun blackened with shoe polish, although this was disputed by some witnesses. Dillinger further embarrassed the city, as well as the 42-year-old female Sheriff Lillian Holley, by driving off in her brand new V-8 Ford. The press augmented her chagrin with such headlines as: “Slim woman, mother of twins, controlled Dillinger as sheriff.” Incensed, Holley declared at the time, “If I ever see John Dillinger again, I’ll shoot him dead with my own gun. Don’t blame anyone else for this escape. Blame me. I have no political career ahead of me and I don’t care.” Furthermore, Holley made certain the Dillinger name would have no standing in Crown Point up until Holley’s death in 1994 at 102.
In March 2008, a Universal Studios team, under the direction of Michael Mann, visited Crown Point to film parts of the movie Public Enemies at the former county jail facility from which Dillinger escaped. The crime drama is set during The Great Depression with the focus on FBI agent Melvin Purvis’ attempt to stop criminals John Dillinger, Baby Face Nelson, and Pretty Boy Floyd. Christian Bale plays FBI agent Purvis, and Johnny Depp plays Dillinger. Actress Lili Taylor portrayed Sheriff Holley in the film. The shoot took three days to complete and involved a number of scenes inside the former Sheriff’s house and jail. A scene was constructed for filming the exterior. Depp was on the set for all three days and stayed late into the evenings each night to shake hands with hundreds of fans who stood for hours to see him and the film shoot. The movie was released in June 2009.
Crown Point lies on the Valparaiso Moraine.
According to the 2010 census, Crown Point has a total area of 17.725 square miles (45.91 km), of which 17.71 square miles (45.87 km) (or 99.92%) is land and 0.015 square miles (0.04 km) (or 0.08%) is water.
Crown Point is situated approximately 40 miles southeast of Chicago’s Loop.
The estimated racial makeup of the city was 85.9% White, 8.0% African American, 0.1% Native American, 2.0% Asian, 2.6% from other races, and 1.3% from two or more races. Hispanic or Latino of any race were estimated to be 6.2% of the population.
The estimated median income for a household in the city in 2013 was $63,121 while the mean income for a household in the town was $78,090. Additionally, the median income for a family was $75,112 and the mean income for a family was $90,507. The estimated per capita income for the town was $31,177. About 4.3% of families and 7.0% of the population were estimated to be below the poverty line.
As of the census of 2010, there were 27,317 people, 10,394 households, and 7,001 families residing in the city. The population density was 1,542.5 inhabitants per square mile (595.6/km). There were 10,976 housing units at an average density of 619.8 per square mile (239.3/km). The racial makeup of the city was 88.2% White, 6.3% African American, 0.2% Native American, 1.8% Asian, 1.9% from other races, and 1.6% from two or more races. Hispanic or Latino of any race were 8.1% of the population.
There were 10,394 households, of which 29.5% had children under the age of 18 living with them, 53.6% were married couples living together, 10.0% had a female householder with no husband present, 3.8% had a male householder with no wife present, and 32.6% were non-families. 27.5% of all households were made up of individuals, and 11.7% had someone living alone who was 65 years of age or older. The average household size was 2.45 and the average family size was 3.01.
The median age in the city was 39.6 years. 21.2% of residents were under the age of 18; 8% were between the ages of 18 and 24; 27.7% were from 25 to 44; 26.9% were from 45 to 64; and 16.1% were 65 years of age or older. The gender makeup of the city was 50.0% male and 50.0% female.
As of the census of 2000, there were 19,806 people, 7,824 households, and 5,359 families residing in the city. The population density was 1,191.7 inhabitants per square mile (460.1/km). There were 8,166 housing units at an average density of 491.3 per square mile (189.7/km). The racial makeup of the city was 95.32% White, 1.41% African American, 0.18% Native American, 0.98% Asian, 0.04% Pacific Islander, 1.02% from other races, and 1.04% from two or more races. Hispanic or Latino of any race were 4.00% of the population.
There were 7,824 households, out of which 29.2% had children under the age of 18 living with them, 57.1% were married couples living together, 8.9% had a female householder with no husband present, and 31.5% were non-families. 27.3% of all households were made up of individuals, and 11.7% had someone living alone who was 65 years of age or older. The average household size was 2.45 and the average family size was 3.01.
In the city, the population was spread out, with 22.5% under the age of 18, 7.7% from 18 to 24, 27.2% from 25 to 44, 25.3% from 45 to 64, and 17.3% who were 65 years of age or older. The median age was 40 years. For every 100 females, there were 90.3 males. For every 100 females age 18 and over, there were 87.2 males.
The median income for a household in the city was $52,889, and the median income for a family was $64,274. Males had a median income of $50,090 versus $26,669 for females. The per capita income for the city was $24,568. About 2.1% of families and 3.7% of the population were below the poverty line, including 3.9% of those under age 18 and 3.2% of those age 65 or over.
The government consists of a mayor and a city council. The interim mayor is Pete Land, the former chief of police . The city council consists of seven members. Five are elected from individual districts. Two are elected at-large.
Crown Point residents who live in Center Township are served by the Crown Point Community School Corporation. Residents who live in Ross Township are served by the Merrillville Community School Corporation.
Public schools in Crown Point are administered by the Crown Point Community School Corporation:
Private schools:
Private Colleges:
Public library:
The city has a lending library, the Crown Point Community Public Library with two branches.
Gary Public Transportation Corporation provides bus service along the 93rd Avenue corridor; with plans to expand bus service within the city along the Broadway corridor from 93rd Avenue to the north terminating at US-231 to the south. These plans are known as the “Livable Broadway Plan” that aims to allow easy travel by public transportation between Gary, Merrillville, and Crown Point and to encourage transit-oriented development at each hub. The first steps of this plan were realized with the Broadway Metro Express.
The Pennsylvania Railroad’s Chicago to Columbus line and the Erie Lackawanna’s Jersey City to Chicago line served Crown Point and had commuter service to and from Chicago. Both rail lines have been abandoned.
The old Lake County Court House is prominently situated in the center of Crown Point, which is commonly referred to simply as the square. The first portion of the court house was erected in 1878, with portions being added on all the way up to 1928. Inside the “Grand Old Lady”, there are gift shops,a record shop, and a museum which is located on the second floor.
The Lake County Fairgrounds are located near the southern portion of Crown Point. The fairgrounds include historic brick exhibition buildings, tree covered hills, rambling walking paths and a historic grandstand near the retired swimming area at Fancher Lake. The Crown Point Bridge, an 85-foot, single span Burr Arch Truss bridge, is the county’s only covered bridge. It was originally built in 1878 near Milroy in Rush County and relocated to the northwest area of the fairgrounds over a gully in 1933.
The Lake County Fair, the 2nd-largest county fair in the state of Indiana, is held on the fairgrounds each year in early August for 10 days. The Lake County Fair always boasts monster trucks, demolition derby, and an entire arena for horse shows.
The Corn Roast and the Taste of Crown Point, annual festivals featuring food and entertainment, are held downtown around the historic courthouse.
There are also parades held on Memorial Day, Independence Day, and St. Patrick’s Day.