Owner Operator Insurance Requirements Middle Spring, Pennsylvania
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Middle Spring, Pennsylvania. 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 Middle Spring, Pennsylvania with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Middle Spring, Pennsylvania 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.
Franklin County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 155,932 Its county seat is Chambersburg.
Franklin County comprises the Chambersburg–Waynesboro, PA Metropolitan Statistical Area, which is also included in the Washington–Baltimore combined statistical area. It lies to a large extent within the Cumberland Valley.
Originally part of Lancaster County (1729), then York County (1749), then Cumberland County (1750), Franklin County became an independent jurisdiction on September 9, 1784, relatively soon after the end of the American Revolutionary War. It is named in honor of Founding Father Benjamin Franklin.
According to the U.S. Census Bureau, the county has a total area of 773 square miles (2,000 km), of which 772 square miles (2,000 km2) is land and 0.6 square miles (1.6 km) (0.08%) is water.
Franklin County is in the watershed of the Chesapeake Bay and the overwhelming majority of it is drained by the Potomac River, but the Conodoguinet Creek and the Sherman Creek drain northeastern portions into the Susquehanna River. It has a hot-summer humid continental climate (Dfa) and its hardiness zone is 6b. Average monthly temperatures in Chambersburg range from 29.9 °F in January to 74.7 °F in July.
As of the census of 2000, there were 129,313 people, 50,633 households, and 36,405 families residing in the county. The population density was 168 people per square mile (65 people/km2). There were 53,803 housing units at an average density of 70 units per square mile (27/km). The racial makeup of the county was 95.33% White, 2.33% Black or African American, 0.15% Native American, 0.55% Asian, 0.03% Pacific Islander, 0.74% from other races, and 0.86% from two or more races. 1.75% of the population were Hispanic or Latino of any race. 40.2% were of German, 19.4% American, 7.6% Irish and 6.0% English ancestry. 96.0% spoke English and 2.1% Spanish as their first language.
There were 50,633 households, out of which 30.80% had children under the age of 18 living with them, 60.00% were married couples living together, 8.20% had a female householder with no husband present, and 28.10% were non-families. 23.70% of all households were made up of individuals, and 10.70% had someone living alone who was 65 years of age or older. The average household size was 2.49 and the average family size was 2.94.
In the county, the population was spread out, with 24.00% under the age of 18, 7.90% from 18 to 24, 28.20% from 25 to 44, 23.70% from 45 to 64, and 16.00% who were 65 years of age or older. The median age was 38 years. For every 100 females there were 94.80 males. For every 100 females age 18 and over, there were 91.90 males.
In 2001, Franklin County was featured in David Brooks’ article “One Nation, Slightly Divisible” in The Atlantic as a representative Red or Republican Party county.
For most of its history, Franklin County has been a Republican Party stronghold in presidential elections, with only three Democratic Party candidates having managed to win the county from 1880 to the present day. The most recent Democrat to win the county in a presidential election was Lyndon B. Johnson, who won state-wide in the Pennsylvania election and in the national election, in a 1964 landslide. As a testament to the county’s status as a Republican Party stronghold, Jimmy Carter in 1976 is the lone Democrat to win forty percent of the county’s votes since Johnson’s 1964 win.
As of May 15, 2023, there are 98,164 registered voters in the county. There are 60,669 registered Republicans, 23,258 registered Democrats, 10,860 voters registered non-affiliated voters, and 3,377 voters registered to other parties.
Lincoln Intermediate Unit (IU#12) region includes: Adams County, Franklin County and York County. The agency offers school districts, home-schooled students and private schools many services, including: special education services, combined purchasing, and instructional technology services. It runs Summer Academy, which offers both art and academic strands designed to meet the individual needs of gifted, talented and high achieving students. Additional services include: curriculum mapping, professional development for school employees, adult education, nonpublic school services, business services, migrant & ESL (English as a second language), instructional services, special education, management services, and technology services. It also provides a GED program to adults who want to earn a high school diploma and literacy programs. The Lincoln Intermediate Unit is governed by a 13-member board of directors, each a member of a local school board from the 25 school districts. Board members are elected by school directors of all 25 school districts for three-year terms that begin July 1. There are 29 intermediate units in Pennsylvania. They are funded by school districts, state and federal program specific funding and grants. IUs do not have the power to tax.
The Franklin County Library system has five branches:
The system also supports the Alexander Hamilton Memorial Library in Waynesboro, PA. In addition, the system currently operates two bookmobiles.
There are four Pennsylvania state parks in Franklin County.
Under Pennsylvania law, there are four types of incorporated municipalities: cities, boroughs, townships, and, in at most two cases, towns. The following boroughs and townships are located in Franklin County:
Census-designated places are geographical areas designated by the U.S. Census Bureau for the purposes of compiling demographic data. They are not actual jurisdictions under Pennsylvania law. Other unincorporated communities, such as villages, may be listed here as well.
The population ranking of the following table is based on the 2010 census of Franklin County.
† county seat
39°56′N 77°43′W / 39.93°N 77.72°W
