Owner Operator Insurance Requirements Helm, Mississippi
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Helm, 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 Helm, Mississippi with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Helm, 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.
Washington County is a county located in the U.S. state of Mississippi. As of the 2020 census, the population was 44,922. Its county seat is Greenville. The county is named in honor of the first president of the United States, George Washington. It is located to the Arkansas border.
The Greenville, MS Micropolitan Statistical Area includes all of Washington County. It is located in the Mississippi Delta.
Located in the Mississippi Delta, Washington County was first developed for cotton cultivation in the antebellum years. Most plantations were developed to have access to the rivers, which were the major transportation routes. Cotton was based on slave labor.
In an 1860 Census, Washington County had an enslaved population of 92.3%, the second-highest anywhere in the country, only behind Issaquena County, Mississippi (92.5%). In the period from 1877 to 1950, Washington County had 12 documented lynchings of African Americans. Most occurred around the turn of the 20th century, as part of white imposition of Jim Crow conditions and suppression of black voting.
According to the U.S. Census Bureau, the county has a total area of 761 square miles (1,970 km), of which 725 square miles (1,880 km) is land and 36 square miles (93 km) (4.8%) is water.
As of the 2020 United States Census, there were 44,922 people, 17,988 households, and 11,232 families residing in the county.
As of the 2010 United States Census, there were 51,137 people living in the county. 71.3% were Black or African American, 27.0% White, 0.6% Asian, 0.1% Native American, 0.4% of some other race and 0.6% of two or more races. 1.0% were Hispanic or Latino (of any race).
As of the census of 2000, there were 62,977 people, 22,158 households, and 15,931 families living in the county. The population density was 87 people per square mile (34 people/km). There were 24,381 housing units at an average density of 34 units per square mile (13 units/km). The racial makeup of the county was 69.57% Black or African American, 33.97% White, 0.09% Native American, 0.53% Asian, 0.02% Pacific Islander, 0.25% from other races, and 0.57% from two or more races. 0.84% of the population were Hispanic or Latino of any race.
According to the census of 2000, the largest ancestry groups in Washington County were African 69.57%, English 21.4%, Scottish 8.2% and Scots-Irish 3.1%
Washington County by 2005 was 67.2% African-American in population. Latinos constituted 1.1% of the population in the county while non-Hispanic whites made up 31.7% of the population.
As of the census of 2000, there were 22,158 households, out of which 36.30% had children under the age of 18 living with them, 40.60% were married couples living together, 26.00% had a female householder with no husband present, and 28.10% were non-families. 24.60% of all households were made up of individuals, and 10.00% had someone living alone who was 65 years of age or older. The average household size was 2.80 and the average family size was 3.35.
In the county, the population was spread out, with 31.50% under the age of 18, 10.10% from 18 to 24, 26.50% from 25 to 44, 20.50% from 45 to 64, and 11.50% who were 65 years of age or older. The median age was 32 years. For every 100 females there were 87.70 males. For every 100 females age 18 and over, there were 80.30 males.
The median income for a household in the county was $25,757, and the median income for a family was $30,324. Males had a median income of $28,266 versus $20,223 for females. The per capita income for the county was $13,430. About 24.90% of families and 29.20% of the population were below the poverty line, including 38.40% of those under age 18 and 24.60% of those age 65 or over.
Washington County’s demographics are rooted in the region’s mid-nineteenth-century ascendance in cotton production and, accordingly, importation of people as slaves. According to the historian Sven Beckert, the county had “more than ten slaves for every white inhabitant” in 1840, and “every white family in the county held on average more than eighty slaves” by 1850.
As of the census of 1990, there were 67,935 people living in the county. The racial makeup of the county was 57.46% (39,035) Black or African American, 41.47% (28,174) White, 0.08% (53) Native American, 0.36% (244) Asian, and 0.02% (13) from other races. 0.61% (416) were Hispanic or Latino of any race.
Mid Delta Regional Airport, owned by the City of Greenville, is located in an unincorporated area in the county.
Pillow Academy in unincorporated Leflore County, near Greenwood, enrolls some students from Washington County. It originally was a segregation academy.
33°17′N 90°57′W / 33.29°N 90.95°W
