Owner Operator Insurance Requirements Lakeside, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Lakeside, 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 Lakeside, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Lakeside, 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.
DeKalb County (, də-KAB, DEE–KAB) is located in the north central portion of the U.S. state of Georgia. As of the 2020 census, the population was 764,382, making it Georgia’s fourth-most populous county. Its county seat is Decatur.
DeKalb County is included in the Atlanta-Sandy Springs-Roswell, GA Metropolitan Statistical Area. It contains roughly 10% of the city of Atlanta (the other 90% lies in Fulton County). Stonecrest is the largest city that is entirely within the county. DeKalb is primarily a suburban county.
In 2009, DeKalb earned the Atlanta Regional Commission’s “Green Communities” designation for its efforts in conserving energy, water and fuel, investing in renewable energy, reducing waste, and protecting and restoring natural resources.
In 2021, the non-profit American Rivers named DeKalb’s South River the fourth-most endangered river in the United States, citing “the egregious threat that ongoing sewage pollution poses to clean water and public health.”
In recent years, some communities in North DeKalb have incorporated, following a trend in other suburban areas around Metro Atlanta. Stonecrest, Dunwoody and Brookhaven are now the largest cities that are entirely contained within the county.
The area of DeKalb county was acquired by the state of Georgia as a result of the 1821 Treaty of Indian Springs with a faction of the Muscogee (Creek). DeKalb County, formed in 1822 from Henry, Gwinnett and Fayette counties, took its name from Baron Johann de Kalb (1721–1780), a Bavarian-born former officer in the French Army, who fought for the Continental Army in the American Revolutionary War. The oldest existing house in the county is the 1831 Goodwin House along Peachtree Road in Brookhaven. Much of the area was forested; a section of old-growth forest is preserved at Fernbank Forest.
In 1853, Fulton County formed from the western half of DeKalb, divided along a perfectly straight and due north–south line down the middle (along which Moreland Avenue now runs). Until this time, the growing city of Atlanta had been inside DeKalb. Atlanta grew because the city of Decatur did not want to become the railroad terminus in the 1830s, thus a spot at the Thrasherville encampment in western DeKalb was picked to become Terminus and then Marthasville, before becoming Atlanta a few years after its founding. North and southwest Fulton came from two other counties: Milton and southeast Campbell, respectively. DeKalb once extended slightly further north to the Chattahoochee River, but this strip was later given to Milton, and is now the panhandle of Sandy Springs.
During the Civil War, much of the Battle of Atlanta took place in DeKalb.
Until the 1960s, DeKalb was a mainly agricultural county, but as the sprawl of the metropolitan Atlanta region expanded, DeKalb became increasingly urbanized. Finished in 1969, the eastern half of the Interstate 285 beltway, called “the Perimeter”, ringed the northeastern and southern edges of the county, placing most of it “inside the Perimeter” along with nearly all of Atlanta. Interstate 675 and Georgia 400 were originally planned to connect inside the Perimeter, along with the Stone Mountain Freeway (U.S. Highway 78) connecting with the Downtown Connector (a co-signment of I-75/I-85) near Moreland Avenue, destroying many neighborhoods in western DeKalb, but community opposition in the early 1970s spared them this fate of urbanization, although part of the proposed Stone Mountain Tollway later became the Freedom Parkway. Only Interstate 20 and Interstate 85 were successfully built through the county. DeKalb also became one of only two counties to approve MARTA rapid transit in the 1970s; the county now contains the east and northeast heavy rail lines.
In April 2018, more than 350 bus drivers for DeKalb County School District went on strike over low pay and poor working conditions, resulting in seven bus drivers being fired.
The DeKalb County seal was created in 1967, by artist Jackson Bailey. The design is based on a passage from Aristotle in which a comparison is made between human progress and the relay race. The background landscape shows planted fields, which is a tribute to DeKalb’s heritage as an agrarian community and Stone Mountain, now recognized as Georgia’s most popular tourist attraction. The date of the county’s founding, 1822, is at the bottom of the seal.
According to the U.S. Census Bureau, the county has a total area of 271 square miles (700 km), of which 268 square miles (690 km) is land and 3.6 square miles (9.3 km) (1.3%) is water. The county is located within the upper Piedmont region of the state.
The county is crossed by the South River and numerous creeks, including Nancy Creek, Snapfinger Creek and two forks of Peachtree Creek. Peachtree Creek and Nancy Creek drain into the Chattahoochee River and eventually to the Gulf of Mexico. South River drains into the Ocmulgee River and ultimately into the Atlantic Ocean.
The southern two-thirds of DeKalb County, in a line from Druid Hills northeast to Tucker, is located in the Upper Ocmulgee River sub-basin of the Altamaha River basin, while the portion of the county north of that line is located in the Upper Chattahoochee River sub-basin of the ACF River Basin (Apalachicola-Chattahoochee-Flint River Basin).
Stone Mountain lies near the eastern border of the county. Soapstone Ridge, parallel to the southern border, was heavily quarried between 1400 and 100 BC and objects made from the soapstone have been found as far away as the Great Lakes.
As of the 2020 United States census, there were 764,382 people, 289,829 households, and 157,737 families residing in the county.
As of the 2010 United States Census, there were 691,893 people, 271,809 households, and 161,453 families residing in the county. The population density was 2,585.7 inhabitants per square mile (998.3/km). There were 304,968 housing units at an average density of 1,139.7 per square mile (440.0/km). The racial makeup of the county was 54.3% black or African American, 33.3% white, 5.1% Asian, 0.4% American Indian, 4.5% from other races, and 2.4% from two or more races. Those of Hispanic or Latino origin made up 9.8% of the population. In terms of ancestry, 5.9% were English, 5.2% were German, and 3.5% were American.
Of the 271,809 households, 32.6% had children under the age of 18 living with them, 35.8% were married couples living together, 18.3% had a female householder with no husband present, 40.6% were non-families, and 31.4% of all households were made up of individuals. The average household size was 2.50 and the average family size was 3.18. The median age was 34.3 years.
The median income for a household in the county was $51,349 and the median income for a family was $60,718. Males had a median income of $43,663 versus $40,288 for females. The per capita income for the county was $28,412. About 12.4% of families and 16.1% of the population were below the poverty line, including 24.2% of those under age 18 and 11.2% of those age 65 or over.
Although Fulton County is more populous, DeKalb has the highest population density of any county in the Atlanta metropolitan area.
Major employers in DeKalb County include:
The DeKalb County 9/11 Memorial was dedicated on September 11, 2011.
U.S. Marine and sculptor Curtis James Miller designed a memorial that is located in front of the Dekalb County Fire and Police Headquarters. The memorial pays homage to the 343 New York Firefighters, 60 New York Police Department and Port Authority Police Officers, and the more than 2800 civilian victims of the terrorist attacks in New York City, Washington D.C., and Shanksville, Pennsylvania on September 11, 2001.
A piece of steel from one of the World Trade Center Towers in New York City is the centerpiece of this monument.
In recent years, along with many other counties in the Atlanta area, DeKalb County has voted strongly Democratic in presidential elections, while in the past it was more of a swing county, voting Democratic and Republican an equal number of times from 1960 until 1988. Following the 2020 United States election, there are no elected Republicans in the county.
DeKalb is the second most Democratic-leaning county in Georgia, only behind Clayton County. 83 percent of the votes cast in the 2020 presidential election were for Joe Biden.
The current chief executive officer of DeKalb County is Michael Thurmond. He took office on January 1, 2017.
Current County Commissioners as of January 2021:
Unincorporated DeKalb County is policed by the DeKalb County Police Department; the DeKalb Sheriff’s Office, which is responsible for serving criminal warrants and securing the courts and county jail; and the DeKalb Marshal’s Office, which serves civil processes issued through state court, such as evictions.
Fire services are provided throughout the county by DeKalb County Fire and Rescue. Previously, DeKalb County Fire and Rescue also provided emergency medical services throughout the county; however, in 2013, the county signed a contract with American Medical Response to provide emergency medical services to the county.
The Centers for Disease Control and Prevention is based in the Druid Hills CDP in an unincorporated area in the county. The Federal Bureau of Investigation Atlanta Field Office is located in Chamblee.
The Georgia Department of Juvenile Justice has its headquarters in Avondale Estates, near Decatur. The Georgia Bureau of Investigation has its headquarters near Decatur, in an unincorporated area.
The Metro State Prison of the Georgia Department of Corrections was formerly located in an unincorporated area in DeKalb County. Female death row inmates (UDS, “under death sentence”) resided in the Metro State Prison. The prison was closed in 2011.
The Consulate-General of Mexico in Atlanta is located in the North Druid Hills CDP. The Consulate-General of Guatemala in Atlanta is located in the North Atlanta CDP. The Consulate-General of Peru in Atlanta is located in the city of Brookhaven.”
Xpress GA / RTA commuter buses and MARTA heavy rail subway and buses serve the county.
Currently, there are plans for the construction of a multi-use trail, known as the Peachtree Creek Greenway. The goal of the greenway is to provide residents with close-to-home and close-to-work access to bicycle and pedestrian trails, serve transportation and recreation needs, and help encourage quality of life and sustainable economic growth. The trail will connect the cities of Atlanta, Brookhaven, Chamblee and Doraville.
The portion of DeKalb County not within the city of Atlanta or the city of Decatur is served by DeKalb County School District (formerly DeKalb County School System). The Atlanta portion is served by Atlanta Public Schools. The Decatur portion is served by Decatur City School District.
On December 17, 2012, the Southern Association of Colleges and Schools announced that it had downgraded the DeKalb County Schools System’s status from “on advisement” to “on probation” and warned the school system that the loss of their accreditation was “imminent.”
Private schools in DeKalb County include:
From its opening in 1990 until 2003, the Seigakuin Atlanta International School was located on the property of Oglethorpe University in Brookhaven, an unincorporated area.
Agnes Scott College is a private, all female, undergraduate liberal arts college in Decatur.
Emory University is a private, coeducational, liberal arts university. It is a member of the Association of American Universities, an association of leading research universities in the US and Canada. The university consists of the following divisions: Emory College of Arts and Science, the Laney Graduate School, Candler School of Theology, Goizueta Business School, Emory University School of Law, Rollins School of Public Health, and the Nell Hodgson Woodruff School of Nursing.
Mercer University is a private, coeducational, faith-based university with a Baptist heritage. Its main campus is in Macon. The Cecil B. Day Graduate and Professional Campus is in DeKalb County; it houses the College of Nursing, the College of Pharmacy and Health Sciences, and the James and Carolyn McAfee School of Theology along with programs of the Eugene W. Stetson School of Business and Economics, the School of Medicine, and the Tift College of Education.
Oglethorpe University is a private, coeducational, liberal arts school in Brookhaven and is named after James Oglethorpe, founder of the Georgia Colony.
Georgia Perimeter College (formerly DeKalb College) has three campuses within the county and offers two-year associate degrees.
Georgia Military College (GMC) has a satellite campus in Stone Mountain Village.
Georgia Piedmont Technical College (formerly DeKalb Technical College) is the largest vocational institution in Georgia. Georgia Piedmont Technical College trains students in business, engineering, technologies, health, human services, industrial arts, information systems, and transportation.
DeVry University offers bachelor’s and master’s degrees in healthcare, accounting, business, and management technology.
Columbia Theological Seminary is a theological institution of the Presbyterian Church (USA) in Decatur. More than 640 students are enrolled at Columbia in one of five degree programs: Master of Divinity, Master of Arts in Theological Studies, Master of Theology, Doctor of Ministry, and Doctor of Theology.
Luther Rice College and Seminary is a private Christian college and seminary in Lithonia. It offers bachelors, masters, and doctoral programs in ministry and ministry-related programs.
The DeKalb County Public Library has 22 branches throughout the county.
33°46′N 84°14′W / 33.77°N 84.23°W
