Owner Operator Insurance Requirements Peachtree City, Georgia
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Peachtree City, 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 Peachtree City, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Peachtree City, 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.
Peachtree City is the largest city in Fayette County, Georgia, United States. As of the 2010 United States Census, it had a population of 34,364. Peachtree City is located in South Metro Atlanta.
Peachtree City is noted for its extensive use of golf carts. Over 10,000 households in the city own golf carts, and most areas of the city can be reached via more than 90 miles (140 km) of golf cart paths.
Timeline:
Peachtree City is located in western Fayette County in the southern Atlanta metro area. It is bordered to the west by Coweta County and to the north by the Town of Tyrone. It is crossed by Georgia State Route 74 and Georgia State Route 54. SR 54 leads east 10 miles (16 km) to Fayetteville, the county seat, and southwest 17 miles (27 km) to Luthersville. Newnan is 12 miles (19 km) to the west via SR 54 and SR 34. SR 74, the Joel Cowan Parkway, runs through the west side of Peachtree City, leading north 6 miles (10 km) to Tyrone and 11 miles (18 km) to Interstate 85 near Fairburn. Downtown Atlanta is 31 miles (50 km) to the north via SR 74 and I-85.
According to the U.S. Census Bureau, Peachtree City has a total area of 25.4 square miles (65.9 km), of which 24.6 square miles (63.6 km) is land and 0.93 square miles (2.4 km), or 3.57%, is water. The city is in the watershed of Line Creek, which forms the western city boundary and county line, and is a south-flowing tributary of the Flint River.
Peachtree City has three lakes. Lake Kedron to the north is a reservoir that supplies Lake Peachtree to the south via Flat Creek. Lake Kedron is owned by the Fayette County Authority, and is managed so as to keep Lake Peachtree full whenever there is a lack of rain and still allow for recreational use of the lake during droughts. Lake Kedron is not afforded any recreational use except for fishing. Lake McIntosh, the newest lake, close to Planterra, has now reached full pool.
Shakerag Hill, with an elevation of 980 feet (300 m), is the highest point in the city and sits on the eastern border at the intersection of GA Hwy 54 and Robinson Road.
As of the 2020 United States census (https://www.census.gov/quickfacts/fact/table/peachtreecitycitygeorgia/POP010220), there were 38,244 people, 13,416 households, and 9,808 families residing in the city.
As of the 2000 census, there were 31,580 people, 10,876 households, and 8,874 families residing in the city. The population density was 1,321.3 inhabitants per square mile (510.2/km). There were 11,313 housing units at an average density of 486.1 per square mile (187.7/km). The racial makeup of the city was 89.66% White, 4.11% African American, 0.16% Native American, 3.70% Asian, 0.03% Pacific Islander, 0.92% from other races, and 1.43% from two or more races. Hispanic or Latino people of any race were 3.75% of the population.
There were 10,876 households, out of which 47.1% had children under the age of 18 living with them, 70.8% were married couples living together, 8.4% had a female householder with no husband present, and 18.4% were non-families. 16.0% of all households were made up of individuals, and 5.7% had someone living alone who was 65 years of age or older. The average household size was 2.89 and the average family size was 3.25.
In the city, the population was spread out, with 31.6% under the age of 18, 5.8% from 18 to 24, 28.5% from 25 to 44, 26.2% from 45 to 64, and 8.0% who were 65 years of age or older. The median age was 38 years. For every 100 females, there were 95.2 males. For every 100 females age 18 and over, there were 90.7 males.
According to a 2007 estimate, the median income for a household in the city was $84,339, and the median income for a family was $96,880.
Other large employers in Peachtree City’s industrial park include:
In addition to working within the city, many Peachtree Citians commute to Atlanta. Airlines, such as Delta, United, and Southwest, are major employers.
Peachtree City has several golf and country clubs.
On January 8, 2016, the Premier Development League awarded a soccer franchise to Peachtree City. The Peachtree City MOBA football club’s inaugural season was the 2016 season. The team is owned by Volker Harms, the owner of the state-of-the-art MOBA Soccer Academy in Peachtree City, and managed by former professional footballer Omar Jarun.
The club plays out of MOBA Soccer Stadium at MOBA Soccer Academy.
As of 2022, the mayor of Peachtree City is Kim Learnard. Council members include Phil Prebor, Mike King, Clint Holland, and Frank Destadio.
Universities in the city are:
Peachtree City is served by the Fayette County School System.
High schools that serve the city include:
Middle schools that serve the city include:
Elementary schools that serve the city include:
Private schools include:
Lifetime’s Drop Dead Diva was filmed in Peachtree City and surrounding areas of Fayette and Coweta County. With Raleigh Studios in nearby Senoia, Peachtree City has often been the backdrop for episodes of other series, such as The Walking Dead. Scenes from the film Joyful Noise were shot there as well.
Peachtree City has a system of golf cart paths which spider across the town and provide a secondary means of access to almost any destination within city limits. These multi-use paths stretch for more than 90 miles (140 km) throughout the city. Many places of business have specially designated golf cart parking spaces. The Peachtree City Police Department has several golf carts used to patrol along these paths.
Over 10,000 households own a golf cart, and use them as an extra vehicle for local transportation. Children aged twelve to fifteen may operate a cart on Peachtree City cart paths with a parent, grandparent or other guardian in the front seat. Those who are fifteen or older, with either a valid Georgia learner’s permit or a full driver’s license, are allowed to operate golf carts alone. Students at McIntosh High School are encouraged to drive family golf carts to school because of limited car parking. In 2015, Starr’s Mill High School opened a golf-cart specific lot. The golf cart paths are also used by cyclists, joggers, and pedestrians as a safer alternative to the side of the road. In February 2003, Golf Digest magazine discussed the traffic congestion caused by the use of golf carts in the city.
Atlanta Regional Airport, also known as Falcon Field, is a general aviation airport that provides chartered air service. Since 1987, it has grown from having about 60 aircraft based at the airport to about 165. The runway is 5,220 feet (1,590 m) long and holds up to 60,000 pounds (27,000 kg) of aircraft. It mainly serves Peachtree City’s business residents, but also serves as a place of entertainment for people interested. There is a viewing area provided for the public to watch aircraft take-off and land. The airport hosts many events throughout the year, including the Great Georgia Air Show. The airport is the location of a National Weather Service radar station, Southeast River Forecast Center, and Weather Forecast Office, which serves 96 counties in northern and central Georgia.
Hartsfield-Jackson Atlanta International Airport provides commercial service and is located 25 miles (40 km) northeast of Peachtree City via Georgia State Route 74 and Interstate 85.
Peachtree City was designated a foreign-trade zone by the U.S. Customs Service. In the U.S., a foreign-trade zone is a site in or near a U.S. Customs port of entry (in this case Hartsfield–Jackson Atlanta International Airport), designated free of customs entry procedures.
