Owner Operator Insurance Requirements Palm Coast, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Palm Coast, 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 Palm Coast, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Palm Coast, 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.
Palm Coast is a city in Flagler County, Florida, United States. As of the 2010 United States Census, the population was 75,180, more than twice the 32,832 counted in 2000. The population was estimated to be 89,800 in 2019. It is the most populous city in Flagler County. Palm Coast is part of the Deltona–Daytona Beach–Ormond Beach, FL metropolitan statistical area.
In the late 1950s, most of the land that would become Palm Coast consisted of swamp and pine forest, with only a few farms and beach houses as well as a turpentine distillery. Business activity was concentrated along Florida State Road 100. Tourists paid fees to hunt and fish in the area.
Developed by ITT Community Development Corporation (Levitt) in 1969, the original development plan encompassed 48,000 home sites on approximately 42,000 acres (17,000 ha) of the 68,000 acres (28,000 ha) owned by ITT. Paved streets and central water and sewer served all lots developed within the plan. An extensive water management system was designed to replenish the area’s water table, which includes 46 miles (74 km) of freshwater canals and 23 miles (37 km) of saltwater canals. On October 29, 1970, ITT built Palm Coast’s welcome center. This date is now celebrated as Founder’s Day.
In 1975, the Flagler County Board of County Commissioners established Palm Coast Service District, which included almost 40,000 acres (16,000 ha). Funds for the district were derived primarily from ad valorem taxes and were used to provide fire services, fire hydrants, street lighting, animal control and emergency services.
Florida had its first serious “wildland urban interface” fire in 1985 with the Palm Coast Fire, which burned 131 homes. Research on this fire indicated that the most important factor was the proximity of heavy ground vegetation to the structures. Thirteen years later, fires struck the same Palm Coast subdivision. The 1998 fires were national news because the whole county was ordered to evacuate, and 45,000 people were displaced. Fire suppression organizations responded from 44 states, and Florida hosted the largest aerial suppression operation ever conducted in the United States. Because of the massive effort, only 71 homes were destroyed.
In September 1999, the citizenry of Palm Coast voted by a margin of two to one to incorporate as a council/manager form of government. On December 31, 1999, the City of Palm Coast was officially incorporated. On October 1, 2000, all services were officially transferred from the former Service District to the city of Palm Coast. The five-member City Council is elected at large and serves staggered four-year terms. One member is elected as mayor. The promulgation and adoption of policy are the responsibility of the council and the execution of such policy is the responsibility of the council-appointed city manager. The city hired its first city manager on April 17, 2000.
The city provides a wide range of services including development services, fire services, street construction and maintenance, parks and recreational activities. Palm Coast contracts with the Flagler County Sheriff’s Office for law enforcement services. As of 2012, the city has plans under way for a new city hall, a town center, new fire stations, and additional lands for parks. Preservation and protection of environmentally sensitive lands is a key goal of this city as it prepares for the future.
Palm Coast is located in northeastern Flagler County at 29°32′17″N 81°13′24″W / 29.538128°N 81.223385°W. According to the United States Census Bureau, the city has a total area of 90.8 square miles (235.3 km2), of which 89.9 square miles (232.8 km) is land and 0.97 square miles (2.5 km2), or 1.06%, is water. The city extends north to the Flagler County line, southwest to the Bunnell city limits, and southeast to touch the city of Flagler Beach.
Interstate 95 crosses Palm Coast from north to south, with access from Exit 293 (Matanzas Woods Parkway), Exit 289 (Palm Coast Parkway), and Exit 284 (Florida State Road 100). U.S. Route 1 runs parallel to I-95 through the western side of Palm Coast, leading into Bunnell.
The area around Palm Coast last saw a direct hit from a tropical cyclone in 2004 when Hurricane Charley passed directly over the area. Since 1851 when hurricane tracking data began, 33 hurricanes and tropical storms have directly affected the area.
Palm Coast has become a bedroom community for St. Augustine, 25 miles (40 km) to the north, and Daytona Beach, 30 miles (48 km) to the south, while some residents also work in Orlando and Jacksonville.
As of 2012, industrial parks within the town house more than 30 mid-size businesses, with the largest one, the “Palm Coast Data” company, employing close to 1,000 people. Flagler County has had one of the highest rates of population growth in the United States since 1990, according to the U.S. Bureau of the Census. However, the area was hit extremely hard by the housing bust’s recession. In December 2009, it had the worst unemployment rate of the state of Florida’s largest metropolitan areas, according to the Bureau of Labor Statistics. The unemployment rate at that time was 16.9 percent.
Palm Coast is under a Council-Manager form of government, meaning its ordinances are considered by a City Council with the Mayor as the Chair. The Palm Coast City Council has five seats, four of which are for Council members elected to represent geographic districts, and one at-large seat for the Mayor. Registered voters from anywhere in the city can vote for each of the five Council seats. As of July 2023, the Palm Coast City Council is occupied by the following Council members:
Klufas is the longest serving on the Council, having been elected in 2016. Danko was elected in 2020, Alfin was elected in 2021, and Pontieri and Heighter were elected in 2022. The Palm Coast City Council has a two-term limit instituted by the City Charter, with the exception of those members serving a partial term from a special election (as Alfin is). Those members may serve two four-year terms along with the duration of the partial term, as decided by the voters. Each current member of the Palm Coast City Council is a member of the Republican Party.
At the county level, Palm Coast is served by the Flagler Board of County Commissioners, Flagler School Board, and East Flagler Mosquito Control District.
As of 2010, there were 35,058 households, out of which 15.0% were vacant. As of 2000, 22.4% had children under the age of 18 living with them, 66.6% were married couples living together, 8.1% had a female householder with no husband present, and 22.7% were non-families. 18.6% of all households were made up of individuals, and 11.9% had someone living alone who was 65 years of age or older. The average household size was 2.38 and the average family size was 2.68.
In 2000, the city’s population was spread out, with 18.5% under the age of 18, 4.6% from 18 to 24, 19.7% from 25 to 44, 26.9% from 45 to 64, and 30.2% who were 65 years of age or older. The median age was 51 years. For every 100 females, there were 90.4 males. For every 100 females age 18 and over, there were 87.6 males.
In 2000, the median income for a household in the city was $41,570, and the median income for a family was $45,818. Males had a median income of $31,976 versus $24,637 for females. The per capita income for the city was $21,490. About 5.6% of families and 7.5% of the population were below the poverty line, including 14.3% of those under age 18 and 3.6% of those age 65 or over.
As of 2000, English spoken as a first language accounted for 87.66% of all residents, while 12.33% spoke other languages as their mother tongue. The most significant was Spanish speakers who made up 6.48% of the population, while German came up as the third most spoken language, which made up 1.18%, Italian was spoken by 1.02%, and Portuguese at 1.00% of the population.
On March 2, 2017, Michelle Taylor, a 16-year-old student of Matanzas High School was struck and killed by a car while walking home from school in an area with no sidewalks and few street lights. In the following months, the people of the city petitioned to have more street lights and sidewalks installed throughout the entire city to reduce the number of pedestrian injuries and deaths. Students of Matanzas High School took charge of these efforts by creating committees and petitions to generate attention and pressure the local city council. Towards the end of 2016, Kevin Smith Jr, also a student of Matanzas, was injured in a hit and run under the same conditions.
