Owner Operator Insurance Requirements McAllen, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements McAllen, Texas. 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 McAllen, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in McAllen, Texas 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.
McAllen is the largest city in Hidalgo County, Texas, United States, and the 22nd-most populous city in Texas. It is located at the southern tip of the state in the Rio Grande Valley, on the Mexico–United States border. The city limits extend south to the Rio Grande, across from the Mexican city of Reynosa. McAllen is about 70 mi (110 km) west of the Gulf of Mexico. As of the 2020 census, McAllen’s population was 142,210. It is the fifth-most populous metropolitan area (McAllen–Edinburg–Mission) in the state of Texas, and the binational Reynosa–McAllen metropolitan area counts a population of more than 1.5 million.
From its settlement in 1904, the area around McAllen was largely rural and agricultural in character, but the latter half of the 20th century had steady growth, which has continued in the 21st century in the metropolitan area. The introduction of the maquiladora economy and the North American Free Trade Association led to an increase in cross-border trading with Mexico.
In 1904, the Hidalgo and San Miguel Extension (now the Sam Fordyce Branch) of the St. Louis, Brownsville and Mexico Railway reached the Santa Anita Ranch. John McAllen and his son James had donated land to the railroad to guarantee it would cross this area. On December 5, 1904, the McAllen Townsite Company was formed by Uriah Lott, Leonidas C. Hill Sr., John McAllen, James Ballí McAllen, and John J. Young. The new community, which was named for John McAllen, had the depot nearest the county seat, Hidalgo, 8 mi (13 km) to the south.
By 1911, 5,000 acres (2,000 ha) were under cultivation in East McAllen: commodity crops of cotton, alfalfa, broom corn, citrus fruits, grapes, and figs were raised. East McAllen had an estimated population of 1,000 that year, and West McAllen had ceased to exist. In 1911, the town applied for and was issued a charter of incorporation under the name McAllen. In 1916, 20,000 New York state troops were stationed at McAllen to help quell border disturbances related to the Mexican Civil War. The resulting economic boom increased the population from 1,200 in 1916 to 6,000 in 1920.
McAllen adopted a home rule charter in 1927. Canning factories, a winery, tortilla plants, wood-working plants, and some oil exploration increased the population to 9,074 by 1930. In 1936, Hiram Garner opened the Valley Distillery, Incorporated, which produced wines from citrus juices. The town was a petroleum and farm chemurgic center with a population of 11,877 in 1940, by which time it had adopted the nickname “The City of Palms”. In 1941, a suspension bridge replaced the old bridge from Hidalgo to Reynosa in Tamaulipas; the new toll bridge was purchased by McAllen and was named the McAllen–Hidalgo–Reynosa International Bridge. Its construction resulted in increased tourist trade, making McAllen a winter resort and port of entry to Mexico.
The discovery of oil in the Reynosa area in 1947 attracted a large migration of people from the Mexican interior to jobs the region. They both constituted a new tourist market and a cheap labor supply for McAllen. The sister cities were linked as a result of the increased traffic between them. The population of McAllen was 20,005 in 1950 and 32,728 in 1960. In 1954 the McAllen–Hidalgo–Reynosa International Bridge was the number-two port of entry into Mexico.
McAllen was an agricultural, oil, and tourist center in 1970, when the population reached 37,636. By the start of the 1970s, McAllen had a 200-bed hospital and a new air-conditioned high school, the first school in the nation featuring on-site power generated by natural gas-powered turbines. The tourism industry continued to expand as people traveled to the area from both Mexico and the northern United States. The population continued to grow steadily through the 1970s, and reached 66,281 by 1980. During the late 1980s, the McAllen Foreign Trade Zone was an important general-purpose foreign trade zone. At the time, McAllen’s main industries were retail, tourism and farming, and each was in trouble. The devaluation of the Mexican peso in the 1980s put a damper on cross-border shopping; local tourism was down because of the recession. In 1983, a freeze took out much of the valley’s citrus crop.
In the mid-1980s, fueled by trade and the growth of the maquiladora (in which components are shipped to Mexico from the United States, assembled, and shipped back as finished products), the economy began to improve in Hidalgo County. McAllen sits across the border from Reynosa, a large manufacturing center. After the peso devalued, Mexico was more successful in attracting companies to run their plants in Mexico, with support operations in Texas.
Border crossing is a daily event for many and is a key component in the local economy. The city became a focal point for concerns about the border during the United States federal government shutdown of 2018–2019 over the Mexico–United States barrier. President Donald Trump held a briefing with the border agents at the patrol station here in January 2019. Homeland Security Secretary Kirstjen Nielsen also visited the Border Patrol station in March 2019. In order to deal with overcrowded facilities in 2019 resulting from the arrival of Central American migrant caravans, immigration authorities were releasing a few hundred asylum seekers daily to private groups that assist them with basic needs and travel arrangements.
The mayor emphasized how safe and secure the city is when U.S military troops were mobilized in the city to help the Border Patrol. Portions of the razor wire coils considered unnecessary by the city were removed after troops had placed it at the border. The troops assisted by using military helicopters to carry border patrol agents to and from locations along the Mexico–United States border and by maintaining vehicles. During these border support activities, they are prohibited from law enforcement activities, such as detaining migrants or seizing drugs. U.S. military troops are prohibited from carrying out law enforcement duties. The Marine Corps Commandant General Robert Neller expressed concerns about the impact of continuing border support on combat readiness for the troops.
McAllen is located in southern Hidalgo County at 26°12′59″N 98°14′11″W / 26.21639°N 98.23639°W (26.216263, −98.236385). It is bordered to the southwest by Granjeno; to the west by Mission, Palmhurst, and Alton; to the north by Edinburg, the Hidalgo county seat; to the east by Pharr; and to the south by Hidalgo. The McAllen city limits extend to the southwest as far as the Rio Grande, directly north of Reynosa, Tamaulipas, in Mexico. The Anzalduas International Bridge crosses the Rio Grande at this point, 11 mi (18 km) southwest of downtown McAllen.
McAllen is 238 mi (383 km) south of San Antonio, 148 mi (238 km) southeast of Laredo, 60 mi (97 km) northwest of Brownsville, and 150 mi (240 km) northeast of Monterrey.
According to the United States Census Bureau, the city has a total area of 48.6 square miles (126.0 km), of which 48.3 square miles (125.2 km2) are land and 0.3 square miles (0.8 km), or 0.62%, is covered by water.
Although McAllen is named the “City of Palms”, tropical vegetation is only locally dominant. Many thorny shrubs and deciduous trees occur in the area, such as the Rio Grande ash (Fraxinus berlandieriana), cedar elm (Ulmus crassifolia), and honey mesquite (Prosopis glandulosa).
McAllen, like much of South Texas, has a subtropical climate. Under the Köppen climate classification, the city features a hot semiarid climate (BSh), featuring long, very hot and humid summers, and brief, warm winters. The city has two distinct seasons; a wet season from May to October and a dry season from November to April. The normal monthly mean temperature ranges from 62.8 °F (17.1 °C) in January to 89.3 °F (31.8 °C) in August. The warm season is extremely long, as average high temperatures from May through September are above 90 °F (32 °C) and average low temperatures are above 70 °F (21 °C), with relatively high dew point values, resulting in higher relative humidity values and heat index values. Heat indices consistently reach over 110 °F (43 °C) during these months. Winter temperatures in McAllen and surrounding Rio Grande Valley are some of the warmest in the contiguous United States outside of South Florida, and comparable to the Coachella and Imperial valleys and Yuma Desert, but with warmer nighttime lows and higher dew points.
Average annual precipitation is 22.31 inches (567 millimeters). Most precipitation occurs in the warm season, with the least precipitation distinctly occurring in the cooler winter. As September is the peak of the north Atlantic hurricane season and tropical storms and hurricanes occasionally drop copious amounts of rainfall on the region, this month tends by far to be the wettest, averaging 4.74 in (120 mm) of rain. The driest month is February, with only 0.66 in (17 mm) of precipitation. Since 1941, it has snowed twice, once when the city received 1.7 in (43 mm) on December 25, 2004.
Temperatures consistently rise above 100 °F (38 °C) from June through August, with exceptionally high humidity. The highest temperature ever recorded in McAllen was 111 °F (44 °C), set on June 22, 2017. The lowest temperature ever recorded in McAllen was 13 °F (−11 °C), on January 12, 1962.
While usually a hot, humid, but relatively dry climate, McAllen, Texas has received unusual weather phenomena. In 2013, McAllen, Texas received a large hail storm that destroyed many vehicles and buildings. The storm came suddenly and many people were unprepared. In December 2017, McAllen received almost 3 inches of snow, nearly 13 years after the previous snowfall which took place during the 2004 Christmas Eve United States winter storm. In February 2021, McAllen reached record low temperatures between 10 °F (−12 °C) and 20 °F (−7 °C) and lost power, heat, and water for a week due to Winter Storm Uri. Despite these fluke weather events, McAllen is prone to tropical storms, hurricanes such as Hurricane Dolly (2008) and Hurricane Hanna (2020), and heatwaves.
As of the 2020 United States census, there were 142,210 people, 45,429 households, and 34,119 families residing in the city.
As of the census of 2010, 129,877 people, 41,573 households, and 31,823 families resided in the city. Of the 45,862 housing units, 4,289, or 9.4%, were vacant.
The racial makeup of the city was 83.9% White, 0.9% African American, 0.4% Native American, 2.6% Asian, 0.02% Pacific Islander, 10.4% some other race, and 1.8% from two or more races. Hispanics or Latinos of any race were 84.6% of the population.
Of the 41,573 households, 46.0% had children under the age of 18 living with them, 52.2% were married couples living together, 19.0% had a female householder with no husband present, and 23.5% were not families. About 19.1% of all households were made up of individuals, and 23.9% were someone living alone who was 65 years of age or older. The average household size was 3.10, and the average family size was 3.58.
In the city, the population was distributed as 30.1% under the age of 18, 9.6% from 18 to 24, 28.1% from 25 to 44, 21.3% from 45 to 64, and 10.9% 65 years of age or older. The median age was 32.2 years. For every 100 females, there were 91.5 males. For every 100 females age 18 and over, there were 87.2 males.
For the period 2012–2016, the estimated median annual income for a household in the city was $45,568, and for a family was $50,184. The per capita income for the city was $21,726. About 22.5% of families and 25.7% of the entire population were below the poverty line, including 36.6% of those under age 18 and 21.4% of those age 65 or over.
Based on the Texas Department of Public Safety’s Annual Crime in Texas report and the FBI’s Crime in the United States report, there were zero (0) murders reported during 2018. The city has been consistently ranked among the safest cities in Texas.
McAllen was the focus of a 2009 article in The New Yorker by Atul Gawande entitled “The Cost Conundrum”, an inquiry into the factors that contribute to the cost of health care. The McAllen area had the highest taxpayer-sponsored spending per beneficiary in the United States, despite areas with similar demographics and health profiles having half the cost per recipient. The article noted that while the area has a higher prevalence of obesity and diabetes, its rates of infant mortality, HIV, and tobacco use were lower than the national average.
McAllen was the most obese metropolitan area in the country in 2012, with 38.5% of the adult population considered obese. The high obesity rate has likely contributed to area residents’ poor health. More than 21% of the population has been diagnosed with diabetes, more than any other metro area in the United States. Poverty may play a large role in the community’s health problems, as well. Over 25% of the city population was living below the poverty line during the period 2012–2016. More than 29% of the population also lacked health coverage during that time.
McAllen is featured in Supersize vs Superskinny, a British television programme on Channel 4 that features information about dieting and extreme eating lifestyles. One of the main show features is a weekly comparison between an overweight person and an underweight person. In the show, the overweight participant visits morbidly obese McAllen residents to find motivation for lifestyle and diet changes.
The Rio Grande Valley began its rapid development with the introduction of irrigation in 1898 and the construction of the railroad in 1904. These major additions turned a once relatively desolate area into a major agricultural center. Throughout much of the 1900s, McAllen was a rural, agriculture-based economy characterized by sporadic growth.
Today, the area is transforming into a major international trade area. As recently as 1990, McAllen’s unemployment rate was at 22.6%. By the end of 2005, that figure had dropped to 7.7%. However, in 2011, census.gov listed the McAllen metro area the poorest in the nation. As of 2012, the average cost of a home in McAllen was the third-least expensive in the country, at $178,000, while average monthly rent for a two-bedroom apartment was $708. In 2012, the cost of living in McAllen was 16.2% lower than the national average.
Since the 1980s and especially since the ratification of the North American Free Trade Agreement in 1994, the focal point of economic activity has shifted from agriculture to international trade, health care, retail, and tourism.
The McAllen Foreign-Trade Zone (FTZ) is located south of McAllen between McAllen and Reynosa. Commissioned in 1973, it was the first inland foreign-trade zone in the United States. Also, an FTZ designation site is at the McAllen Miller International Airport to facilitate air cargo needs. Under U.S. and Mexican laws and NAFTA provisions, the FTZ designation offers specific cost-saving opportunities to manufacturers. Products can be brought into the FTZ duty-free. Services have recently expanded to include full logistic support services, including public warehouse services such as pick and pack, order processing, inventory control, incoming/outgoing quality inspection, and kitting.
McAllen hosted the NAIA National Football Championship in the late 1970s and NCAA Division II national football championship games in the 1980s.
Until 2014, McAllen was home to the Texas Thunder of the independent United League Baseball, who played at Edinburg Stadium.
McAllen is positioned on a major flyway, the migratory path of birds between North and South America, presenting opportunities for bird and butterfly expeditions. The landscape hosts a diverse wildlife population. The Quinta Mazatlan, a historic Spanish colonial mansion, is used as McAllen’s wing of the World Birding Center.
The Bicentennial Bike Path runs from Highway 83 on the south side to Bicentennial and Trenton Road on the north side. The International Museum of Art & Science, Smithsonian affiliate and AAM-accredited museum founded in 1967, is located near the path at the corner of Bicentennial and Nolana Avenue.
The Zinnia Spray Water Park is McAllen’s first sprayground park. It is located at 29th and Zinnia Ave.
Champion Lakes Golf Course is located on South Ware Road just south of Highway 83. The golf course has 18 holes plus a driving range. This course hosts numerous tournaments year round.
Dog owners have room to run their pets at the McAllen Dog Park, which is divided into two sections.
The Texas Department of Criminal Justice operates an office in McAllen.
The United States District Court for the Southern District of Texas McAllen Division is located at Bentsen Tower 1701 W. Hwy. 83, Suite 1011, McAllen, Texas.
The United States Postal Service operates two post offices in McAllen: McAllen Post Office, located at 620 Pecan Blvd, and the McAllen Downtown Post Office at 406 12th Street.
The United States Border Patrol McAllen Station is located at 3000 West Military Highway.
The United States Border Patrol Central Processing Center is located at 3700 W Ursula Avenue, McAllen, Texas.
The 2LT Luis G. Garcia United States Army Reserve Center located at 600 S Col Rowe Blvd is home for the United States Army Reserve 961st Quartermaster Company, 461st Transportation Detachment, and 519th Transportation Detachment.
McAllen is represented in the United States House of Representatives by two Democrats: Vicente Gonzalez of the 15th Congressional District, and Henry Cuellar of the 28th Congressional District.
Metro McAllen (formerly McAllen Express Transit – MET) has provided public transportation for the City of McAllen since June 1997. In the beginning, McAllen Express was administered by the Lower Rio Grande Valley Development Council. Since 2005, Metro McAllen has been operated as a department of the city of McAllen. Metro McAllen now has nine fixed routes and paratransit, serving residents and visitors. It operates seven days a week, from 6am–9pm Monday through Saturday and from 8am-6pm on Sunday. LRGVDC continues to operate regional buses under the name Valley Metro.
The City of McAllen also operates the bus terminal facility in downtown McAllen, known as McAllen Central Station. Central Station serves as a hub for MET and for 14 private domestic and international bus lines. Around 60 buses depart from Central Station on a daily basis. It is centrally located in downtown McAllen at 1501 W Hwy 83.
The McAllen Independent School District serves most of the city followed by the Valley View Independent School District and the Sharyland Independent School District. Portions of the city extend into the Edinburg Consolidated Independent School District, which operates two elementary schools within the McAllen city limits. The Hidalgo Independent School District, Pharr-San Juan-Alamo Independent School District also serve McAllen.
In addition, residents are allowed to apply to magnet schools operated by the South Texas Independent School District.
The Catholic Diocese of Brownsville operates Our Lady of Sorrows School, an elementary and middle school.
McAllen Public Library operates a main library and two branches, the Lark Branch and the Palm View Branch. The New Main Library opened in the fall of 2011 inside a former Walmart big box store. The library earned high praise and received the International Interior Design Association’s 2012 Library Interior Design Award.
International Museum of Art & Science (IMAS), founded in 1967, is a Smithsonian Affiliate and American Alliance of Museums (AAM) accredited museum located in McAllen at the corner of Bicentennial and Nolana Avenue.