Owner Operator Insurance Requirements Brookhaven, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Brookhaven, 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 Brookhaven, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Brookhaven, 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.
Brookhaven is a city in the northeastern suburbs of Atlanta that is located in western DeKalb County, Georgia, United States, directly northeast of Atlanta. On July 31, 2012, Brookhaven was approved in a referendum to become DeKalb County’s 11th city. Incorporation officially took place on December 17, 2012, on which date municipal operations commenced. With a population of around 55,366 as of 2021, it is the largest city in DeKalb County. The new city stretches over 12 square miles (31 km).
Brookhaven’s first permanent European settler was John Evins, who started a plantation around 1810. Harris and Solomon Goodwin, who moved to Georgia from South Carolina, became owners of the land in the 1830s. The Goodwin home and the family graveyard have been preserved at the 3900 block of Peachtree Road, near Dresden Drive. A train station known as Goodwin’s was constructed along the Atlanta and Richmond (later Atlanta and Charlotte) railway in 1873.
The settlement of Cross Keys, with a population of 250 in 1876, was located one mile (2 km) north along the rail line from Goodwin’s. In 1879 Cross Keys was described:
Atlanta residents began constructing summer cottages in the community around 1900. In 1910, 150 acres (61 ha) on the north side of Peachtree Road were purchased for development as a planned community surrounding a golf course. The nine-hole golf course, designed by Herbert Barker, a golf pro from Garden City, Long Island, opened in 1912. Residences developed in three phases, with Brookhaven Estates designed in 1910, followed by Country Club Estates in 1929 and the Carleton Operating Company in 1936. Independently, Edwin P. Ansley sold lots in the area, calling it Oglethorpe Park. Construction of the historic neighborhood was largely complete by the end of World War II. The country club became part of the downtown Capital City Club in 1911, and its name was changed to the Capital City Country Club. The golf course was expanded from nine to eighteen holes in 1915. The clubhouse, designed by Preston Stevens in the French Provincial style, was completed in 1928.
The area was incorporated as the city of North Atlanta in 1924. In 1963, the North Atlanta’s leaders asked the state legislature to allow a referendum on a new city charter. The legislature agreed, but also included an additional option in the referendum: disincorporation. The majority of voters chose disincorporation, and the city’s charter was dissolved in 1965.
From the 1950s to the 1970s, major commercial and residential development took place in Brookhaven, resulting in the area being largely built-out by 1980. The Brookhaven/Oglethorpe MARTA Station opened in 1984. In 1986, the Capital City Club and its surrounding estate homes were placed on the National Register of Historic Places, and the neighborhood is now officially known as “Historic Brookhaven.”
The idea of incorporating Brookhaven as a city was first brought up in 2007, with the purpose of securing local community control over planning, zoning, land use, police, fire protection, and parks and recreation—rather than having those issues decided by the county. However, the idea failed to gain momentum. The proposed city would have included 53,000 people. In 2011, the incorporation of Brookhaven was revived when state Rep. Mike Jacobs announced plans to introduce legislation allowing the creation of a city of Brookhaven, over the objections of many residents of the neighborhood of Historic Brookhaven, which would not lie in the proposed city boundaries. On July 31, 2012, 55% of voters chose to incorporate the city of Brookhaven. In December of that same year, J. Max Davis was elected as the city’s first mayor.
Brookhaven is located at 33°52′47″N 84°21′6″W / 33.87972°N 84.35167°W (33.879722, -84.351667). The city of Brookhaven is bounded by:
See the official City of Brookhaven map and visit: https://gis.brookhavenga.gov/citymap/
As of the 2020 United States census, there were 55,161 people, 22,549 households, and 11,443 families residing in the city.
The 2010 census counted 40,456 residents in the North Atlanta CDP.
2000 census
The 2000 census counted 38,579 people, 15,886 households and 7,402 families residing in the North Atlanta CDP. The population density was 5,040.6 inhabitants per square mile (1,946.2/km). There were 16,636 housing units at an average density of 2,173.6 per square mile (839.2/km). The racial makeup of the CDP was 61.52% White, 17.56% African American, 0.41% Native American, 4.88% Asian, 0.05% Pacific Islander, 12.64% from other races, and 2.94% from two or more races. Hispanic or Latino of any race were 27.41% of the population.
There were 15,886 households, of which 18.5% had children under the age of 18 living with them, 33.3% were married couples living together, 7.4% had a female householder with no husband present, and 53.4% were non-families. 35.0% of all households were made up of individuals, and 4.4% had someone living alone who was 65 years of age or older. The average household size was 2.35 and the average family size was 3.04.
15.6% of the population were under the age of 18, 15.2% from 18 to 24, 47.2% from 25 to 44, 15.7% from 45 to 64, and 6.2% who were 65 years of age or older. The median age was 31 years. For every 100 females, there were 121.9 males. For every 100 females age 18 and over, there were 124.2 males.
The median household income was $52,333 and the median family income was $52,679. Males had a median income of $35,742 compared with $37,043 for females. The per capita income was $32,087. About 7.6% of families and 11.8% of the population were below the poverty line, including 16.1% of those under age 18 and 9.0% of those age 65 or over.
Large retail centers in Brookhaven include the Town Brookhaven, a 600,000-square-foot (56,000 m) mixed-use district on a 54-acre (22 ha) site opened in 2010, and Northeast Plaza, a 466,000-square-foot (43,300 m), late-1950s strip mall-style shopping center on Buford Highway focused on discount and Hispanic-oriented stores.
On March 14, 2017, the Weather Company, owners of the Weather Channel, announced to a group of Brookhaven Chamber members that they were in need of more office space and would be selecting a location in Brookhaven. They have since moved to Brookhaven.
Brookhaven continues to see major developments in its area. In March 2019, the Brookhaven City Council approved a request from CHOA to rezone four acres in order to build an 8-story short-term residential hotel (a Ronald McDonald House). The facility will allow families to temporary stay in the area while their children are being treated at CHOA. Furthermore, Emory University announced in May 2019 that it plans to build a billion dollar medical complex including a hotel, hospital, and apartments in Brookhaven.
Other developments in Brookhaven include planned improvements to its Lynwood Park facility thanks to its partnership with the Atlanta Hawks. The Atlanta Hawks Foundation made a donation, approved unanimously by the city council, for upgraded furnishing and site improvements to the existing basketball court at Lynwood Park. As of 2017, the Hawks new $50 million training facility is located in Brookhaven.
Colleges and universities in Brookhaven include Oglethorpe University as well Georgia State University’s Brookhaven satellite campus for the Robinson College of Business MBA program. Both are located on Peachtree Road.
DeKalb County School System operates the public schools serving Brookhaven. The zoned public elementary schools within the city limits and serving the city are Ashford Park Elementary, Montclair Elementary, Montgomery Elementary, and Woodward Elementary. Additionally Fernbank and John Lewis elementaries, outside of the Brookhaven city limits, serve portions of the city. Montgomery Elementary is one of five residential public schools in all of Dekalb County to exceed 90% in every CRCT category. Kittredge Magnet School nurtures and empowers a diverse student body of high achievers in grades 4 through 6 through rigorous and innovative instructional approaches.
Students can submit an application or be selected through a lottery system in order to attend.
The public middle schools serving the city are Chamblee Middle School in Chamblee and Sequoyah Middle School in Doraville. The public high schools serving the city are Cross Keys High School in Brookhaven, and Chamblee Charter High School. Private schools include Our Lady of the Assumption Catholic School, St. Martin in the Fields Episcopal School, and Marist School.
PATH Academy, a charter school, is in Brookhaven.
From its opening in 1990 until 2003, the Seigakuin Atlanta International School was located on the property of Oglethorpe University. This facility is now occupied by PATH Academy.
DeKalb County Public Library operates the Brookhaven Library.
The City of Brookhaven is governed by a council-manager form of government. This form of governance combines an elected council composed of four members and a mayor with a professional manager who manages the day-to-day affairs of the city.
The city is divided into four distinct districts with each electing a representative for the city council every four years. Councilmembers may serve an unlimited number of consecutive terms subject to their reelection. The city’s mayor is elected at large for a term of four years as well but is limited to serving two consecutive terms. The council is responsible for promoting the interests of their constituents and developing policy for the city’s administration. The council also authorizes various legislative responsibilities such as determining strategic plans, capital improvement strategy and financing, the millage rate, and approving the annual budget.
The Brookhaven Council Composition as of January 2022
Mayor- John Arthur Ernst Jr.
Council Representative for District 1 and Mayor Pro Tempore – Linley Jones
Council Representative for District 2 – John Park
Council Representative for District 3 – Madeleine Simmons
Council Representative for District 4 – John Funny
Brookhaven’s city manager is appointed by the Mayor and confirmed by the city council as the chief administrative officer for the city. In addition to managing and directing city staff, the city manager develops the annual operating and capital budgets, assists with policy development and represents the city on various community and regional boards.
The Metropolitan Atlanta Rapid Transit Authority(MARTA) provides heavy rail and bus service for Brookhaven, as well as the surrounding areas.
Both Brookhaven/Oglethorpe and Medical Center Stations have several bus routes that serve Brookhaven, including:
*Route 39 leaves from Lindbergh Center and Doraville Stations, but still serves the southern part of the city.
In 2016 the City adopted the Bicycle, Pedestrian and Trail Plan that lists implementable policies and transportation projects aimed at accommodating all active transportation users.
On July 25, 2017, the City Council approved a new sidewalk and bike ordinance. The ordinance mandates for sidewalks on all new and improved local residential streets in Brookhaven. Bike lanes will also be required per the recommendations in Brookhaven’s Bicycle, Pedestrian, & Trail Plan and other planning documents.
Additionally, on Tuesday, Oct.13, 2020 the Brookhaven City Council unanimously approved the Brookhaven Vulnerable Road User Ordinance that provides enhanced protections to non-vehicular users in the event of injury. Vulnerable road users are outlined in the ordinance as walkers, bike riders, strollers, and scooter riders, among others on the road not operating a motor vehicle. The ordinance makes a separate offense of driving a motor vehicle in such a way an injury is caused to a vulnerable road user.
Under the ordinance, drivers must maintain a safe distance of at least three feet from vulnerable road users to avoid a collision. The ordinance also states that a driver should yield the right of way to vulnerable road users when making a turn at an intersection and outlines safe ways of passing a vulnerable road user on the road. For their part, vulnerable road users should keep to the right of the lane except for when to avoid unsafe conditions. Cyclists must use a white light at the front of the bicycle during nighttime and should yield the right of way to pedestrians. This ordinance is part of Brookhaven’s commitment to providing safe and appropriate access to pedestrians and users of alternative modes of transportation. Anyone in violation of this ordinance could receive up to a $500 fine for the first offense and up to a $1,000 fine, suspension of driving privileges and/or six months of incarceration for consecutive offenses.
On June 29, 2017, Brookhaven Mayor John Ernst appointed members to the Peachtree Creek Steering Committee. The committee will provide critical oversight and guidance to the PATH Foundation as it completes engineering studies and prepares final construction of the Peachtree Creek Greenway.
Construction for Phase 1 of the Peachtree Creek Greenway was completed in late 2019 and celebrated its grand opening on Dec. 12, 2019. The Phase 1 of the multi-use trail provides resident access to bicycles and pedestrian trails and is 1.25 miles long stretching from North Druid Hills to Biarwood Road. Brookhaven’s section of the Peachtree Creek Greenway is divided into three phases. When the construction for all three are completed, it will connect Brookhaven to unincorporated Dekalb and Atlanta.
The vision of the Peachtree Creek Greenway is to provide a transportation and recreational path that serves as a point of connectivity from the Atlanta Beltline to Doraville. The goal of the Greenway is to provide residents with easy access to bicycle and pedestrian trails, serve transportation and recreational needs, and help encourage quality of life and sustainable economic growth. When the entirety of the Peachtree Creek Greenway is completed it will be 12.3 miles long.