Owner Operator Insurance Requirements Pembroke Pines, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Pembroke Pines, 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 Pembroke Pines, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Pembroke Pines, 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.
Pembroke Pines is a city in southern Broward County, Florida, United States. The city is located 22 miles (35 km) north of Miami. It is a suburb of and the fourth-most populous city in the Miami metropolitan area. The population of Pembroke Pines was 171,178 at the 2020 census.
Pembroke Pines was officially incorporated on January 16, 1960. The city’s name, Pembroke Pines, is traced back to Sir Edward J. Reed, a member of Britain’s Parliament for the County of Pembroke from 1874 to 1880, who in 1882 formed the Florida Land and Mortgage Company to purchase from Hamilton Disston a total of 2 million acres of mostly swampland located throughout the southern half of Florida. A road put through one of the tracts came to be known as Pembroke Road. When incorporating the city, Walter Smith Kipnis, who became the city’s first mayor, suggested the name Pembroke Pines because of the pine trees growing near Pembroke Road.
The first inhabitants of the area were American Indians, who first appeared about 4,000 years ago. Skeletal remains of animal hunters dating back about 10,000 years were found around Broward County, showing that perhaps human beings had lived in the area even earlier.
The town started as agricultural land occupied by dairy farms, and grew after World War II as service members were retiring, including large eastern sections that were part of the Waldrep Dairy Farm, including the present-day Pembroke Lakes Mall. The first two subdivisions were called Pembroke Pines. One of the first homes in the city belonged to Kipnis, the city’s first mayor, and was built in 1956. It was then known as the “Village of Pembroke Pines” and was incorporated into a village in 1959. Builders contested the incorporation, so a legal battle ensued concerning the boundaries of the new municipality. City services were added in the 1960s with the building of the first fire department building near North Perry Airport. University Drive was then the western edge of habitable land for residents.
In January 1960, Pembroke Pines held another election, and the village became a city. This small property was less than a square mile and was between Hollywood Boulevard and SW 72nd Avenue, and had the Florida Turnpike to the east. Pembroke Pines sought to give citizens involvement, so they organized the Pembroke Pines Civic Association. The square-mile city was unable to expand due to North Perry Airport and the South Florida State Hospital. Joseph LaCroix, a developer, had his 320 acres (1.3 km) of land north of Pines Boulevard annexed to the city. This gave a new pathway to proceed westward. In 1977, a maximum security prison known as the Broward Correctional Institution was built in the northwestern part of town. This facility closed in 2012. In 1980, property from Flamingo Road to U.S. 27 was incorporated into Pembroke Pines, doubling the size of the city. This expansion included the property that is currently C.B. Smith Park as well as what was once the Hollywood Sportatorium and the Miami-Hollywood Motorsports Park. Also, in 1980, construction began to extend Interstate 75 from U.S. 27 towards Miami, passing through the new western part of the city. By 1984 the expressway reached Pines Boulevard, the main east-west arterial road in the city.
In May 1977, the Grateful Dead put on a storied performance at the Sportatorium. Many Deadheads consider the version of “Sugaree” played during the first set to be the band’s—and particularly guitarist Jerry Garcia’s—finest performance of the song.
The city’s rapid population growth in the mid-to late 1990s was part of the effect of Hurricane Andrew in 1992. Thousands of southern Miami-Dade County residents moved northward to Broward County, many to Pembroke Pines. The resulting boom ranked the City of Pembroke Pines third in a list of “Fastest Growing Cities” in the United States in 1999. The increase in population has increased the need for schools. In 2003, Charles W. Flanagan High School had close to 6,000 students, making it the most populated high school in Florida. In response to Broward County’s need to keep up with demands, Mayor Alex Fekete and City Manager Charles Dodge started a charter school system. As of 2006, Pembroke Pines had the largest charter school system in the county. The city is also home to campuses for Broward Community College and Florida International University. The city’s population had grown from 65,452 in 1990 to 157,594 in 2011.
In 2001, Pembroke Pines was home to the most dangerous road intersection (Pines Boulevard and Flamingo Road) in the United States, according to State Farm Insurance. City residents passed a bond initiative to allow the city to begin construction to redesign the intersection. The intersection has since been expanded with additional east/west Pines Boulevard lanes.
As developers expanded Pembroke Pines westward, more hurricanes have affected the city and its residents. In 1999, Hurricane Irene dumped up to 16 in (410 mm) of rain in the city. The western communities, such as Chapel Trail and Silver Lakes, received an estimated 19 in (480 mm). Then in 2004, Hurricane Frances and Jeanne passed to the north (Palm Beach County), but brought tropical storm-force winds and left minor tree and shrub damage. The 2005 hurricane season left a mark on the city. Hurricane Katrina passed directly over the city as a category-one storm. In its wake, it left some damage, such as downed power lines and trees, especially in the Chapel Trail and Silver Lakes developments. In late October, the eye of Hurricane Wilma passed about 20 miles (32 km) toward the north of the city, which saw the strongest winds its residents had experienced in decades. The strongest wind officially recorded in the city was a 92-mile-per-hour (148 km/h) sustained wind, with a 101-mile-per-hour (163 km/h) wind gust. Most of the city was left without power for days, lights at intersections had been destroyed, a riot at a gas station led to it being closed, most landscaping was destroyed or damaged beyond repair, and minor structural damage (mainly roof and screen damage) occurred. In addition, schools remained closed for two weeks.
According to the United States Census Bureau, the city has a total area of 34.8 square miles (90.2 km), of which 33.1 square miles (85.8 km) are land and 1.7 square miles (4.4 km) (4.88%) are covered by water, making it one of the largest cities in Broward County.
A 2017 study put the city in third place for US cities most vulnerable to coastal flooding, with 116,000 residents living within FEMA’s coastal floodplain.
Pembroke Pines has a tropical monsoon climate (Am) with hot, wet summers and warm, dry winters.
The area of Pembroke Pines west of Interstate 75 is commonly known as West Pines, and consists mostly of subdivisions built since Hurricane Andrew.
As of the 2020 United States census, there were 171,178 people, 57,399 households, and 39,823 families residing in the city.
As of 2010, 61,703 households were available, with 7.8% of them being vacant.
As of 2000, 36.2% had children under the age of 18 living with them, 56.4% were married couples living together, 11.1% had a female householder with no husband present, and 29.1% were not families. About 24.1% of all households were made up of individuals, and 12.5% had someone living alone who was 65 years of age or older. The average household size was 2.62 and the average family size was 3.13.
In 2000, the city the population was distributed as 25.6% under the age of 18, 6.4% from 18 to 24, 33.5% from 25 to 44, 19.3% from 45 to 64, and 15.2% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 87.3 males. For every 100 females age 18 and over, there were 81.8 males.
In 2000, the median income for a household in the city was $52,629, and for a family was $61,480. Males had a median income of $45,129 versus $32,531 for females. The per capita income for the city was $23,843. About 3.9% of families and 5.4% of the population were below the poverty line, including 5.2% of those under age 18 and 8.1% of those age 65 or over.
As of 2000, speakers of English as a first language were at 63.06%, while Spanish accounted for 27.91%, French made up 1.24%, French Creole was 0.99%, Portuguese was 0.94%, Italian was at 0.92%, Yiddish at 0.74%, and Tagalog was the mother tongue of 0.52% of the population.
As of 2000, Pembroke Pines had the 45th-highest percentage of Colombian residents in the US, at 3% of the city’s population, and the 50th-highest percentage of Cuban residents in the US, at 8.66% of the city’s population. It also had the 24th-highest percentage of Jamaicans in the US (tied with Wheatley Heights, New York,) at 5.1% of all residents.
Pembroke Pines has a Commission-Manager form of government. The city commission has five members elected to four-year terms: a mayor elected city-wide and four commissioners elected from four Single-member districts.
Broward County Public Schools serve Pembroke Pines. In addition, several charter schools are located in Pembroke Pines, and the City of Pembroke Pines operates its own charter school system.
Parts of the city are zoned to Everglades High School and Miramar High School in Miramar and McArthur High School in Hollywood.
Parts of the city are zoned to Apollo Middle School and Driftwood Middle School in Hollywood and Glades Middle School and New Renaissance Middle School in Miramar.
Parts of the city are zoned to Boulevard Heights Elementary School and Sheridan Park Elementary School in Hollywood, Hawkes Bluff Elementary School in Davie, Manatee Bay Elementary School in Weston, and Miramar Elementary School, Silver Lakes Elementary School, Silver Shores Elementary School, Sunset Lakes Elementary School, and Sunshine Elementary School in Miramar.
For scheduled commercial service, Pembroke Pines is primarily served by nearby Fort Lauderdale–Hollywood International Airport and Miami International Airport. The city itself is home to North Perry Airport, a general aviation airport owned by the Broward County Aviation Department.
Local bus service is provided by Broward County Transit. The city also partners with Broward County Transit to provide additional bus routes within the city limits.
Streets in Pembroke Pines are numbered as a continuation of the street grid of neighboring Hollywood; streets are distinguished from those of Hollywood itself by adding a ‘west’ to the cardinal direction. Streets north of Pines Boulevard are labeled ‘northwest’ and those south of Pines Boulevard are labeled ‘southwest’.