Owner Operator Insurance Requirements Newnan, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Newnan, 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 Newnan, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Newnan, 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.
Newnan is a city in Metro Atlanta and the county seat of Coweta County, Georgia, about 40 miles (64 km) southwest of Atlanta. Its population was 42,549 at the 2020 census, up from 33,039 in 2010.
Newnan was established as county seat of Coweta County (replacing the defunct town of Bullsboro) in 1828, and was named for North Carolinian General Daniel Newnan. It quickly became a prosperous magnet for lawyers, doctors, other professionals, and merchants. Much of Newnan’s prosperity was due to its thriving cotton industry, which relied on slavery.
Newnan was largely untouched by the Civil War due to its status as a hospital city (for both Union and Confederate troops), and as a result still features much antebellum architecture. Celebrated architect Kennon Perry designed many of the town’s 20th-century homes. During the Atlanta Campaign, Confederate cavalry defeated Union forces at the nearby Battle of Brown’s Mill.
On April 23, 1899, a notorious lynching occurred after an African-American man by the name of Sam Hose (born Tom Wilkes) was accused of killing his boss, Alfred Cranford. Hose was abducted from police custody, paraded through Newnan, tortured, and burned alive just north of town by a lynch mob of roughly 2,000 citizens of Coweta County.
Newnan was also host to the trial in 1948 of wealthy landowner John Wallace, the first White man in the South to be condemned to death by the testimony of African Americans, two field hands who were made to help with burning the body of murdered white sharecropper Wilson Turner. These events were portrayed in the novel Murder in Coweta County. The film version starred Johnny Cash, Andy Griffith, and June Carter.
In 1968, Kmart opened a warehouse in Newnan, which slowly established it as a major hub for distribution in the area. Around this time, the International Brotherhood of Teamsters attempted to unionize the warehouse, but the attempt was defeated when the employees voted 329 to 201 in favor of remaining union-free. In 2015, the distribution center closed with a loss of 164 jobs.
In the early morning hours of March 26, 2021, Newnan was directly impacted by a violent EF4 tornado, which caused substantial structural damage and indirectly killed one person. The tornado was one of the strongest on record in Georgia since 1950, and directly impacted the historic downtown area. Newnan High School will be re-built after sustaining serious damage.
The city is home to one of the few Georgia counties with a museum that focuses mainly on African-American history. The Coweta County African American Heritage Museum and Research Center, or Caswell House, was opened in July 2003 in a donated mill village house once owned by Ruby Caswell. The museum sits on Farmer Street on an old, unmarked slave cemetery. It has collected hundreds of family genealogical records by interviewing residents and going through the census records. The museum also houses the Coweta Census Indexes from 1870 to 1920.
The first Black library in the county was the Sara Fisher Brown Library. Built in the 1950s, the library has since been converted into the Community Action For Improvement Center.
The Farmer Street Cemetery is the largest slave cemetery in the South, and may be the largest undisturbed one in the nation. It is within the city limits of Newnan.
Newnan is located in the center of Coweta County at 33°22′35″N 84°47′19″W / 33.37639°N 84.78861°W (33.376411, -84.788648). U.S. Route 29 passes through the center of the city, leading northeast 13 miles (21 km) to Palmetto and south 7 miles (11 km) to Moreland. Interstate 85 passes through the eastern side of the city, with access from exits 41, 44, and 47. I-85 leads northeast 40 miles (64 km) to downtown Atlanta and southwest 125 miles (201 km) to Montgomery, Alabama. U.S. Route 27A leads northwest from the center of Newnan 22 miles (35 km) to Carrollton.
According to the United States Census Bureau, Newnan has a total area of 18.6 square miles (48.3 km), of which 0.35 square miles (0.9 km2), or 1.88%, is covered by water.
The climate is moderate with an average temperature of 64.3 °F (45.8° in the winter and 79.1° in the summer). The average annual rainfall is 51.84 inches.
Until the mid-1950s the Central of Georgia operated two trains daily in each direction, through Newnan from Atlanta to Columbus, in its Man O’ War service. The Central continued a single Man O’ War train until 1971 when Amtrak took over most interstate passenger service. Until 1970, the city was a stop on the Southern Railway’s Crescent from New Orleans to New York City, via Atlanta. Into the mid-1960s, the Southern’s Crescent and Piedmont Limited made stops in both directions in Newnan.
As of the 2020 United States census, there were 42,549 people, 15,135 households, and 10,013 families residing in the city.
As of 2010, Newnan’s population was approximately 33,039 and Coweta County’s population was approximately 127,400. From 2000 to 2010, the population of Coweta County grew by 42.7% as compared to from 1990 to 2000, when its population grew by 65.7%. Newnan’s population grew by 30% from 1990 to 2000 and by 103.4% from 2000 to 2010.
The ethnic makeup of the city was 50.8% White, 37.6% African American, 0.3% Native American, 2.8% Asian, 0.1% Pacific Islander, 5.6% from some other race, and 2.8% from two or more races. Hispanics or Latinos of any race were 11.4% of the population.
Of the 13,783 households, 34.4% had children under 18 living with them, 42.5% were married couples living together, 17.7% had a female householder with no husband present, and 33.4% were not families. About 28.6% of all households were made up of individuals, and 7.3% had someone living alone who was 65 or older. The average household size was 2.61, and the average family size was 3.17.
In the city, the age distribution was 30.8% under 18, 7.8% from 18 to 24, 29.8% from 25 to 44, 21.9% from 45 to 64, and 9.8% who were 65 or older. The median age was 33.3 years.
The median income for a household in the city was $50,175 and for a family was $64,615. Males had a median income of $50,753 versus $39,691 for females. The per capita income for the city was $19,081. About 17.3% of families and 22.0% of the population were below the poverty line, including 32.0% of those under age 18 and 5.7% of those age 65 or over.
The Coweta County School District holds preschool to grade 12, and consists of 19 elementary schools, seven middle schools, and three high schools. The district has 1,164 full-time teachers and over 18,389 students.
Mercer University has a regional academic center in Newnan. The center opened in 2010, and offers programs through the university’s College of Continuing and Professional Studies.
The University of West Georgia has a campus located in Newnan, near downtown. This campus currently has two undergraduate programs – bachelor of science in nursing and early childhood education.
Newnan is also home to a campus of West Georgia Technical College.
College Temple, a non-sectarian women’s school, operated during the period of 1854-1888.
