Owner Operator Insurance Requirements Miami Gardens, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Miami Gardens, Florida. 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 Miami Gardens, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Miami Gardens, Florida 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.
Miami Gardens is a city in north-central Miami-Dade County, Florida, United States. It is located 16 miles (26 km) north of Downtown Miami with city boundaries that stretch from I-95 and Northeast 2nd Avenue to its east to Northwest 47th and Northwest 57th Avenues to its west, and from the Broward County line to its north to 151st Street to its south. The city’s name originated from Florida State Road 860, a major roadway through the area also known as Miami Gardens Drive.
Miami Gardens had a population of 111,640 as of 2020. It is Florida’s most populous city with a majority African American population and also home to the largest percentage of African Americans (66.97 percent) of any city in Florida, according to the U.S. Census Bureau. It is a principal city within the Miami metropolitan area, the nation’s ninth largest and world’s 65th largest metropolitan area with a population of 6.158 million people as of 2020.
Miami Gardens is the home of Hard Rock Stadium, a 64,767 capacity multi-purpose stadium that serves as the home field for both the Miami Dolphins of the National Football League and the Miami Hurricanes, the University of Miami’s NCAA Division I college football team, which has won five national championships since 1983.
In the wake of the construction of I-95 in the late 1960s, many middle- and upper-income African American and West Indian American families migrated from Miami neighborhoods like Liberty City to what became Miami Gardens (also called Carol City, Norland or Norwood) as race-based covenants were outlawed with the Fair Housing Act, and mostly lower income blacks moved into the Liberty City and Little Haiti neighborhoods surrounding Liberty Square and Edison Courts.
Miami Gardens was incorporated on May 13, 2003. The city’s neighborhoods of Andover, Bunche Park, Carol City, Lake Lucerne, Norland, Opa-locka North, and Scott Lake were previously unincorporated areas within Miami-Dade County.
In 2007, Mayor Shirley Gibson said that the city would no longer allow any low-income housing developments; many residents blamed the developments for spreading crime and recreational drugs throughout the city. Around that time, the city’s tax revenues dropped to the third-lowest in Miami-Dade County.
In 2012, Oliver Gilbert, only the second mayor the city has had, proposed forming a community redevelopment agency (CRA). CRAs are formed to remove “slum and blight”, to improve the physical environment of the city and to combat the social and economic problems typical of slum areas. CRAs are funded with property tax increases, which funds are used, in part, to stimulate private investment in the rehabilitation of the community.
During the 2026 FIFA World Cup, Hard Rock Stadium will host multiple matches during the tournament.
The city was incorporated in 2003, but various parts of the city appear as census designated places in the 2000 census and previous censuses. They now make up the neighborhoods of Andover, Bunche Park, Carol City, Lake Lucerne, Norwood, Opa-locka North, and Scott Lake. The United States Census Bureau enumerated that the population of Miami Gardens was 111,640 per the 2020 census.
In 2010, there were 34,284 housing units of which 6.0% were vacant. As of 2016, the age distribution was 5.6% under the age of 5, 6.7% from 5 to 9, 6.5% from 10 to 14, 15.5% from 15 to 24, 14.6% from 25 to 34, 12.7% 35 to 44, 13.1% 45 to 54, 12.6% 55 to 64, and 12.7% who were 65 years of age or older. The population was 46.9% male and 53.1% female. Families made up 72% of households, while 28% were non-families. The average household size was 3.52 members, and the city covered 20 square miles (52 km).
According to City Rating, Miami Gardens crime statistics have decreased in the past 13 years. The crimes that have decreased the most are property crimes and violent crimes. The crime rate for Miami Gardens for 2018 is expected to be lower than in 2016. Miami Garden’s 2016 violent crime rate was 63.64% higher than the national violent crime rate, and the property crime rate was 30.99% higher than the national property crime rate.
In 2016, Miami Gardens’ violent crime rate was higher than that in Florida by 50.99%, and the property crime rate was 19.49% higher.
In 2016, there were 432 reported cases of aggravated assault, 22 reported cases of arson, 509 reported cases of burglary, 24 cases of forcible rape, 2,743 cases of larceny and theft, 419 reported cases of motor vehicle theft, 22 reported cases of murder and manslaughter, and 265 cases of robbery.
The projected 2018 crime data is as follows: 286 reported cases of aggravated assault, 26 reported cases of arson, 435 reported cases of burglary, 7 cases reported of forcible rape, 2,139 cases reported of larceny and theft, 205 cases reported of motor vehicle theft, 18 reported cases of murder and manslaughter, and 102 reported cases of robbery.
The Calder Race Course opened in 1971.
Miami Gardens is home to the Miami Dolphins, who play in Hard Rock Stadium on land that was part of the Lake Lucerne CDP. This stadium also hosts the annual Orange Bowl college football game, and is the home field for the University of Miami Hurricanes football team. The Miami Open tennis tournament is held on the grounds of the stadium. The Florida Marlins of Major League Baseball shared Hard Rock Stadium with the Dolphins for almost two decades until, in 2012, they relocated to Miami and changed their name to the Miami Marlins.
In 2022 and 2023, the Miami International Autodrome hosted the Miami Grand Prix for Formula One.
The city of Miami Gardens has several health care clinics and facilities that offer medical care and support to its residents. Although the city has no hospital directly within its limits, Jackson North Medical Center, Concentra Urgent Care, and, Chen Medical Center provide medical services to the residents of Miami Gardens. Supplementing this, several health care clinics and facilities provide medical services that include general medicine, walk-in/urgent care, dental services, gynecology, physical therapy, chiropractor services, laboratory tests, x-rays, sonograms, osteoporosis screening, vaccinations, and health and exercise programs.
Miami Gardens is governed by a seven-member city council. Members include Mayor Oliver Gilbert (since 2012), and six council members, four elected from districts and two elected citywide. The mayor recommends – and the city council hires – the City Manager, City Attorney, and City Clerk.
These are 17 of the many departments for which the City Manager of Miami Gardens creates a budget.
The Miami Gardens Police Department is the lead law enforcement agency for the 110,000 residents living within the city’s 20 square miles (52 km). The department operates under a unified command structure with its headquarters located at 1020 NW 163 Drive, Miami Gardens, Florida 33169. The department became operational on Sunday, December 16, 2007 with 159 sworn officers. Since then, the department has grown to 259 members consisting of 201 sworn positions with 58 non-sworn support positions.
In 2013, law enforcement abuses were alleged regarding the Miami Gardens Police Department by several news outlets. The abuses were first uncovered when it became public that a convenience store employee, Earl Sampson was arrested 27 times for trespassing, while working at and around the store at which he was employed. Video evidence was gathered by the owner of the store, Ali Saleh, showing Miami Garden police involved in clear and repeated misconduct involving his employee, and customers. According to the Miami Herald‘s Julie K. Brown: “The videos show, among other things, cops stopping citizens, questioning them, aggressively searching them and arresting them for trespassing when they have permission to be on the premises”. It appeared Sampson had been arrested in this way due to police quotas, a department culture, and that Sampson was easy to arrest. Sampson always pleaded guilty so they would let him out almost immediately, with one exception where he pleaded not guilty, and he was jailed for 20 days. The guilty plea would validate the officers’ improper arrest and increment their quota, so he became a continuous target.
It was reported that, between 2008 and 2013, 99,980 stops occurred in Miami Gardens, involving 56,922 people, over half of the city’s population. In the City of Miami, 3,753 stops occurred during the same period, with four times the population. Some stops involved children aged 5 to 7, totaling more than 1,000 children. These numbers were compiled after news regarding Earl Sampson.
Following these reports, the police chief resigned.
Civil rights lawsuits have been filed against the Miami Gardens Police Department by the store owner and others who were illegally detained and/or arrested.
A police officer filed a lawsuit claiming that he had been fired for reporting abuses.
Miami-Dade County Public Schools operates area public schools.
Norland Middle School, in the Miami Gardens area, has a magnet program in dance, music, theatre and art, which began in 1985. The young actors Alex R. Hibbert and Jaden Piner, who starred in the Oscar-winning film Moonlight, were trained at this school.
The Archdiocese of Miami operates area Catholic schools. Monsignor Edward Pace High School is in the Miami Gardens city limits. The archdiocese formerly operated Saint Monica School in Miami Gardens.
Miami-Dade Public Library System operates the North Dade Regional Library, which opened in September 1979.
