Owner Operator Insurance Requirements Rowlett, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Rowlett, Texas. 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 Rowlett, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Rowlett, Texas 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.
Rowlett (, traditionally ) is a city in Dallas and Rockwall counties in the U.S. state of Texas, and an eastern suburb of Dallas. The total population estimate is 73,270 in 2021. It is a growing, upscale community with nearly $1.5 billion in development in the Dallas–Fort Worth metroplex, located on Lake Ray Hubbard.
Rowlett derives its name from Rowlett Creek, which flows into Lake Ray Hubbard and is a major tributary of the east fork of the Trinity River. The creek in turn was named for a waterway running through the property of Daniel Rowlett who moved from Kentucky to Bonham, Texas, in 1835. Daniel, who was a member of the Smoot-Rowlett political family, had no direct dealings with the town that now bears his name.
The first post office opened on April 5, 1880, and it was called “Morris” after Postmaster Austin Morris.
The town was later renamed “Rowlett”. The Dallas and Greenville Railway passed through the town in 1886, connecting Dallas with Greenville, Texas, and the Missouri–Kansas–Texas Railroad. Shortly after its opening, the line was formally sold to the MKT.
In 1921, the town was a stop on the Bankhead Highway.
The town incorporated in 1952 when its population was 250. In the 1960s, the town languished as Interstate 30 bypassed Rowlett.
The town has had a building boom since the completion of Lake Ray Hubbard in 1971 – growing to 1,600 by 1973; 10,573 by 1989; 23,260 by 1990; and 44,503 by 2000.
Rowlett gained international notoriety in 1996 when local resident Darlie Routier was convicted of murdering her children as they slept.
In 2003, the town made an unsuccessful formal proposal to get the Dallas Cowboys to move to a 1,000-acre (4.0 km) “5-Point Park” on the banks of Lake Ray Hubbard when the lease for Texas Stadium expires.
In 2013, the Rowlett City Council was challenged by the Freedom From Religion Foundation and Metroplex Atheists regarding opening prayer invocations at city hall meetings. In a court case in May 2014, the U.S. Supreme Court reaffirmed a previous court ruling (Marsh v. Chambers) upholding the tradition of opening legislative sessions with sectarian prayer and additionally ruled in favor of a town’s right to have invocations given by the predominant religion within its borders as long as it did not discriminate or coerce participation. (Town of Greece v. Galloway) Atheist proponents then asked the Rowlett City Council to be included in giving invocations. They were denied based on the Supreme Court ruling and city policy stating the invocation should be given by members of the community’s locally established religious congregations.”
On the evening of December 26, 2015, a violent storm produced a deadly EF4 tornado that tore a 13-mile path from the neighboring city of Garland, Texas, through the southeast portion of Rowlett, severely damaging or destroying hundreds of homes and vehicles along with several businesses and a city water tower.
On February 8, 2017, the historic water tower on Martha Lane built in 1980 was demolished two years after it suffered damage from the EF4 tornado on December 26, 2015.
According to the U.S. Census Bureau, the City of Rowlett is rated number 8 of the fastest growing cities in the United States with 5.1% growth from July 2017 to July 2018.
In 2019, the City of Rowlett gained regional recognition when Sapphire Bay Development, LLC and the City published plans to construct a master planned community in the middle of the Dallas/Fort Worth Metroplex. The 116-acre development will be Texas’ first resort destination anchored by a man-made lagoon, offering guests a luxurious stay along its shore at the 500 room Sapphire Bay Resort, operated and managed by Destination Hotels by Hyatt. The project will also feature a surf village and a water park, 1,500+ residential units, 1.7 million square feet of mixed-use restaurant, retail, entertainment, office and hospitality space, 20+ acres of parks and trails, a 1,000 slip marina.
Rowlett is located at 32°54′25″N 96°32′51″W / 32.90694°N 96.54750°W (32.907020, –96.547415).
According to the United States Census Bureau, the city has a total area of 20.0 square miles (51.7 km), of which 19.9 square miles (51.5 km) is land and 0.08 square miles (0.2 km), or 0.34%, is water.
As of the 2020 United States census, there were 62,535 people, 21,628 households, and 18,181 families residing in the city.
The Dallas County portion of Rowlett is served by the Garland Independent School District, while the Rockwall County portion is a part of the Rockwall Independent School District.
Back, Stephens, Dorsey, Giddens-Steadham, Herfurth, Keeley, Pearson, Rowlett, Cullins-Lakepoint and Liberty Grove Elementary Schools, Coyle and Schrade Middle Schools, and Rowlett High School are located within the city boundaries of Rowlett.
Garland ISD has a free choice program that allows for a student to attend any school within the district. If a school is already full with students that are zoned for that school then students who are not zoned for that school, but chose the school on their choice of school form, will not be able to attend. The student will then be enrolled in their second or third choice school unless only the school they are zoned for is available. If students choose to attend a school located outside of where they are zoned the GISD is unable to provide a school bus service. Students living within two miles of their school can not receive bus service either.
Not all students in Rowlett are zoned for Rowlett HS. A considerable portion are zoned for Sachse High School in the city of Sachse. Rockwall ISD residents are zoned to Cullins-Lake Pointe Elementary School, Williams Middle School and Rockwall High School.
Residents in Dallas County are zoned to Dallas College (formerly the Dallas County Community College District or DCCCD). Residents in Rockwall County are zoned to Collin College.
DART has transit that runs to and from Dallas. Rowlett is served by the Downtown Rowlett Station on the Blue Line. Automobile routes include President George Bush Turnpike, Interstate 30, and Texas State Highway 66 (Lakeview Pkwy).
