Owner Operator Insurance Requirements Oakland Park, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Oakland Park, 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 Oakland Park, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Oakland Park, 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.
Oakland Park, officially the City of Oakland Park, is a city in Broward County, Florida, United States. It is part of the South Florida metropolitan area, which was home to 6,166,488 people at the 2020 census. As of the 2020 United States Census, the city’s population was 44,229.
Originally named Floranada (a blend of Florida and Canada), the town was forced into bankruptcy after the hurricane of 1926. When the municipality reincorporated, residents chose to make it a city and voted for the name Oakland Park. The original boundaries went from the Atlantic Ocean, west to what is now U.S. 441, and from the north fork of Middle River north to Cypress Creek Boulevard, but when the boundaries were reestablished, it was to approximately the west side of U.S. 1, west to Northeast 3rd Avenue and the north fork of Middle River north to what is now Prospect Road. Over time, it has expanded to its current boundaries, mainly due to acquiring a few other areas, such as recent annexations of previously unincorporated neighborhoods of Twin Lakes South and North Andrews Gardens.
Oakland Park is located at 26°10′35″N 80°8′40″W / 26.17639°N 80.14444°W (26.176362, –80.144509). According to the United States Census Bureau, the city has a total area of 8.1 square miles (21.1 km), of which 7.5 square miles (19.3 km) is land and 0.69 square miles (1.8 km) (8.40%) is water.
Oakland Park is bisected by the Florida East Coast Railway, which runs parallel to Dixie Highway through the city’s downtown. The City of Oakland Park has put into place new zoning regulations intended to transform downtown Oakland Park into a mixed-use pedestrian community. One element of the proposal is the creation of a new commuter rail station on the FEC rail line.
Oakland Park borders the city of Wilton Manors. Increased property prices in Wilton Manors have pushed up prices in Oakland Park and spurred interest in the city’s downtown redevelopment plan.
As of the 2020 United States census, there were 44,229 people, 16,958 households, and 9,030 families residing in the city.
As of 2010, there were 20,076 households, out of which 12.8% were vacant.
As of 2000, 24.5% had children under the age of 18 living with them, 32.3% were married couples living together, 13.3% had a female householder with no husband present, and 48.6% were non-families. 35.1% of all households were made up of individuals, and 7.4% had someone living alone who was 65 years of age or older. The average household size was 2.26 and the average family size was 3.00.
In 2000, the city the population was spread out, with 20.9% under the age of 18, 9.0% from 18 to 24, 38.7% from 25 to 44, 21.3% from 45 to 64, and 10.2% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 109.1 males. For every 100 females age 18 and over, there were 109.8 males.
In 2000, the median income for a household in the city was $35,493, and the median income for a family was $38,571. Males had a median income of $30,269 versus $25,514 for females. The per capita income for the city was $18,873. About 13.3% of families and 16.5% of the population were below the poverty line, including 22.1% of those under age 18 and 11.3% of those age 65 or over.
As of 2000, English as a first language comprised 66.52%, while 18.16% spoke Spanish, 6.95% spoke French Creole as theirs, 3.32% spoke Portuguese, 1.99% spoke French, Italian was at 0.64%, and German as a mother tongue made up 0.52% of the population.
As of 2000, Oakland Park was the fifteenth most Brazilian-populated area in the US (tied with several other areas) at 2.1%, and it had the twenty-fifth highest percentage of Haitians in the US, with 7% of the population (tied with Ramapo, New York.)
Also, as of 2000, the North Andrews Gardens section of Oakland Park is the sixty-third most Cuban-populated area in the US at 5.76%, while the rest of Oakland Park had the 113th highest percentage of Cubans with 2.03% of all residents. The North Andrews Gardens section was also the thirty-third most Peruvian-populated area in the US, at 1.51% of the population, as well as having the seventy-fourth highest percentage of Colombians in the US, at 2.03% of all residents.
These are the neighborhoods and communities that are officially recognized by the City of Oakland Park.
Oakland Park is represented by 5 City Commissioners who are elected to serve a 4-year term. Commission Members may only serve for 2 consecutive terms. A Commission Member who has served 2 consecutive terms may not run for election for a 2-year period.
The City operates under a commission-manager form of government in which the City Manager is appointed by the City Commission, and serves as the head of the City’s administration.
The City Manager’s goals are to provide a capable and inspiring leadership for City staff, to make day-to-day decisions that allow for the most effective use of resources, and to operate in a manner that improves the quality of life for Oakland Park’s business and residents.
The United States Postal Service operates post offices in Oakland Park, including the Oakland Park Post Office at 3350 NE 12th Avenue, the Fort Lauderdale Main Post Office at 1900 West Oakland Park Boulevard, the North Andrews Annex at 3400 North Andrews Avenue (closed), and the North Ridge Annex at 4350 North Andrews Avenue (closed).
The movie theater chain Muvico has its headquarters in Oakland Park.
Oakland Park is also home to the Funky Buddha Brewery, a facility that produces beers unique to the South Florida market, its most popular arguably being Hop Gun.
Oakland Park is a part of the Miami-Fort Lauderdale-Hollywood media market, which is the twelfth largest radio market and the seventeenth largest television market in the United States. Its primary daily newspapers are the South Florida Sun-Sentinel and The Miami Herald, and their Spanish language counterparts El Sentinel and El Nuevo Herald.
The Oakland Park Library, officially named the Ethel M. Gordon Oakland Park Library, is a public library in Oakland Park, Florida. It is located at 1298 NE 37th Street, Oakland Park, FL 33334.
In 1951, Gordon donated her personal book collection and housed the collection in the Oakland Park Women’s Clubhouse. Gordon later won a seat on the City Commission after campaigning on the promise to create a municipal library. On February 10, 1958 the City of Oakland Park Library was officially opened.
On October 16, 2013, the Oakland Park City Commission voted to officially re-name the Library in honor of Ethel M. Gordon.
The city is served by Broward County Public Schools.
Schools in the city limits:
Portions are zoned to Floranada (Fort Lauderdale), Oriole (Lauderdale Lakes), Rock Island (Fort Lauderdale), and Wilton Manors elementaries. Portions are zoned to William Dandy (Fort Lauderdale), Lauderdale Lakes, and Sunrise (Fort Lauderdale) middle schools. Portions are zoned to Boyd Anderson High School (Lauderdale Lakes) and Fort Lauderdale High School.
