Owner Operator Insurance Requirements East Point, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements East Point, 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 East Point, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in East Point, 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.
East Point is a suburban city located southwest of Atlanta in Fulton County, Georgia, United States. As of the 2020 census, the city had a population of 38,358. The city name is derived from being at the opposite end of the former Atlanta & West Point Railroad from West Point.
The name “East Point” derives from the fact that this is the terminus of the Atlanta & West Point Railroad in the east; West Point, Georgia, is the terminus where the rail line ends in the west.
This settlement was founded as a railroad terminus with 16 families in 1870, but grew quickly after it became an inviting place for industry to develop. Soon it boasted the railway, two gristmills, and a government distillery located on Connally Drive. One of the earliest buildings was the factory of the White Hickory Manufacturing Company, built by B.M. Blount and L.M. Hill (who became the first chairman of the board of aldermen of the city).
By 1880 the town had two churches, a common school, a steam-cotton gin, a sawmill, a post office (founded in 1851), a telegraph office and its own newspaper weekly, The Plow Boy. East Point ranked as a grain and cotton-growing center. With its pleasant upland climate and proximity to the railway, it was a popular summer resort for people from the city of Atlanta.
In 1884 the first telephone rang in East Point, and in 1887 the city received its first charter. In 1890 a major portion of property along East Point Avenue was subdivided and developed, opening the way for more homes, more churches, more people, and more places of employment. By 1892 Main Street was completed, despite protests from a few progress-shy early settlers who maintained that one major thoroughfare, Newnan Road, was more than sufficient.
By the start of the 20th century, the adolescent town was poised to grow into the city it eventually would become.
In late 2015 and early 2016, some scenes for the Netflix series Stranger Things were filmed at the exterior of the First Baptist Church (standing in for a hospital exterior in a fictional Indiana town).
The city has a city council-city manager form of government, with a professional city manager hired by the council. The manager is approved by the eight-member city council, headed by the mayor who has veto power. The city is divided into four wards (A, B, C, & D), each electing two city council members.
In the late 20th century, East Point suffered a loss of jobs due to railroad and industrial restructuring. In the first quarter of the 21st century, its economy has expanded, and new businesses and residences have been developed around the city. The relatively new Camp Creek Marketplace, for example, boasts 718,590 sq. ft. of retail space, with new businesses moving in regularly. Several Fortune 500 companies call it home. In December 2007, the city’s newest multiplex opened.
The National Archives regional repository for data collected by the U.S. Census was originally located in the Colonial Hills area of East Point. It was moved to a new facility in nearby Morrow.
The Federal Bureau of Prisons Southeast Region Office is in East Point.
MARTA heavy rail subway and bus lines serve the city.
The East Point Historic Civic Block consists of three historically significant buildings and one memorial park in downtown East Point. It is located within the parameters of East Point Street, Linwood Avenue, Church Street, and West Cleveland Avenue. The City Hall, City Auditorium, New Deal Library, and Victory Park make up the Civic Block, which since 2011 has been the focus of both redevelopment interest and historic preservation efforts.
East Point is served by Sumner Park, Sykes Park, Brookdale Park, Grayson Field, Jefferson Park, John Milner Park and Chris Stacks Field.
The city boasts of producing several notable athletes, among them Reggie Rutland, Jonas Jennings (NFL), Nick Rogers (NFL), Bill Thorn, Donald Adams (Basketball), John Milner (baseball) and Jay Hudson.
When the Dick Lane Velodrome was built in 1974, it was one of only two in the United States. Named after a longtime City Council member, the Velodrome was inspired by a facility seen by a group of residents and city officials who visited the Munich Olympics in 1972. The Velodrome is a 1/5 mile and 36° banked concrete track for bicycle racing, set in Sumner park in a residential part of historic East Point. Dick Lane is the only velodrome in the world with a green space that contains a large oak tree and a creek running through the in-field. It is located eight miles south of downtown Atlanta.
The City of East Point owns the velodrome and has a long-term partnership with the East Point Velodrome Association (EPVA) to manage it. The EPVA is a 100% volunteer-based 501(c)3 nonprofit organization dedicated to the rehabilitation, care and growth of the Dick Lane Velodrome. The EPVA conducts Youth Service Activities for children at no cost to the city or state. These activities include the Bicycle Little League (for kids 8–12), summer camps (kids 13–16), and bicycle safety clinics. In addition to raising bicycle safety awareness, these programs promote physical health and wellness, teamwork, and individual growth through the sport, and positive alternatives to drugs and gangs. These pioneering grass-root programs are intended to build the base of competitive cycling in the U.S. EPVA hosts three professional-level events annually, held in May, July and September; these are part of the American Track Racing Association National Championship Series.
East Point is located at 33°40′34″N 84°27′05″W / 33.676008°N 84.451277°W. It is bordered to the north, east, and west by the city of Atlanta, to the southeast by Hapeville, and to the south by College Park. Downtown Atlanta is 7 miles (11 km) northeast of the center of East Point.
According to the United States Census Bureau, East Point has a total area of 14.7 square miles (38.1 km), of which 0.02 square miles (0.05 km), or 0.12%, is water.
As of the 2020 United States census, there were 38,358 people, 14,216 households, and 6,721 families residing in the city.
As of the census of 2000, there were 39,595 people, 14,553 households, and 9,430 families residing in the city. The population density was 2,878.9 inhabitants per square mile (1,111.5/km). There were 15,637 housing units at an average density of 1,137.0 per square mile (439.0/km). The racial makeup of the city was 78.16% African American, 16.10% White, 0.20% Native American, 0.62% Asian, 0.09% Pacific Islander, 3.40% from other races, and 1.42% from two or more races. Hispanic or Latino of any race were 7.57% of the population.
There were 14,553 households there in 2000, out of which 34.5% had children under the age of 18 living with them, 28.7% were married couples living together, 28.9% had a female householder with no husband present, and 35.2% were non-families. 27.4% of all households were made up of individuals, and 5.5% had someone living alone who was 65 years of age or older. The average household size was 2.69 and the average family size was 3.27.
In the city, the population was spread out, with 29.3% under the age of 18, 11.9% from 18 to 24, 31.3% from 25 to 44, 19.5% from 45 to 64, and 7.9% who were 65 years of age or older. The median age was 30 years. For every 100 females, there were 89.5 males. For every 100 females age 18 and over, there were 84.8 males.
The median income for a household in the city was $31,874, and the median income for a family was $36,099. Males had a median income of $27,114 versus $25,839 for females. The per capita income for the city was $15,175. About 17.2% of families and 20.7% of the population were below the poverty line, including 30.0% of those under age 18 and 13.6% of those age 65 or over.
The Fulton County School System operates the area’s public schools.
Elementary schools in East Point and serving sections of East Point include Brookview, Conley Hills,
Asa G. Hilliard, Hamilton E. Holmes, and Parklane.
Elementary schools outside of East Point serving sections of East Point include College Park in College Park, Seaborn Lee Elementary School in South Fulton.
Hilliard Elementary, named after former East Point resident Asa Grant Hilliard III, opened in 2016 on the site of the former Mount Olive Elementary School, which opened in 1960. Mount Olive was replaced by Hilliard, with the former building razed in 2014.
Middle schools serving sections of city include Paul D. West Middle School and Woodland Middle School, both in East Point. A portion is zoned to Camp Creek Middle School in South Fulton, and another to Sandtown Middle School.
Most of the city is zoned to Tri-Cities High School in East Point. Some of the city is zoned to Westlake High School in South Fulton, and Banneker High School.
The former Oak Knoll Elementary building, since 2015, houses RISE Grammar School/RISE Prep School (which together serve K-8), which purchased the facility for $1.73 million in May 2018.
Point University, formerly Atlanta Christian College, has a location in East Point. Though the university’s traditional students are transitioning to West Point, Georgia in Fall 2012, the East Point location will remain active for the school’s adult studies program.
Atlanta–Fulton Public Library System operates the East Point Branch.
