Owner Operator Insurance Requirements University City, Missouri
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements University City, Missouri. 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 University City, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in University City, Missouri 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.
University City (colloquially, U. City) is an inner-ring suburb of the city of St. Louis in St. Louis County, in the U.S. state of Missouri. The population was measured at 35,065 by the 2020 census.
The city is one of the older suburbs in the St. Louis area, having been a streetcar suburb in the late 19th and early 20th centuries; much historic architecture remains in the southern, older portion of the city, particularly along Delmar Boulevard. The northern portions of the city, mostly developed after World War II, have more of a suburban feel with many shopping centers and other automobile-centered development. The city is named for nearby Washington University.
University City has much municipal open space, the largest parcels being 85-acre (340,000 m) Heman Park (which includes recreation and community centers and public pool facilities) and Ruth Park (a public golf course and nature trails). The city has four elementary schools, one middle school, two Catholic grade schools, one Jewish high school, and one public high school. The School District of University City is separately managed from other school districts in the area.
University City’s southern border is approximated by Northmoor. The eastern border is approximated by Skinker Boulevard. The western border is approximated by old McKnight, some of which is now Interstate 170.
According to the United States Census Bureau, the city has a total area of 5.90 square miles (15.28 km), all of it land.
The highest point of University City is the western terminus of Delmar Boulevard, at the tri-border of University City, Ladue, and Olivette.
The city also contains part of Midland Boulevard, which divides the watersheds of the Mississippi River and the Missouri River. The River Des Peres rises in the hills near the University City and Clayton boundary, flows north, takes a strong turn at Ruth Park, and then runs through culverts southeast through the city of St. Louis to debouche in the Mississippi River.
Major roads and highways in University City are Interstate 170 (I-170), Missouri Route 340 (MO-340), Delmar Boulevard, Forest Park Parkway, Olive Boulevard and Skinker Parkway.
The city has long had a large middle-class Jewish presence. Jewish cemeteries and religious centers dot the city, such as Young Israel of St. Louis and Agudas Israel of St. Louis, serving University City residents and those of nearby Clayton, which also has a high concentration of Jewish residents.
In 2020, there were 35,065 people living in the city. The racial makeup of the city was 48.9% White (48.1% non-Hispanic), 36.6% African American, 0.2% Native American, 6.5% Asian, 2.0% from other races, and 5.8% from two or more races. Hispanic or Latino of any race were 3.9% of the population.
As of the census of 2010, there were 35,371 people, 16,154 households, and 8,484 families living in the city. The population density was 5,995.1 inhabitants per square mile (2,314.7/km). There were 18,021 housing units at an average density of 3,054.4 per square mile (1,179.3/km). The racial makeup of the city was 50.8% White, 41.1% African American, 0.3% Native American, 4.3% Asian, 0.9% from other races, and 2.7% from two or more races. Hispanic or Latino of any race were 2.8% of the population.
There were 16,154 households, of which 23.8% had children under the age of 18 living with them, 33.8% were married couples living together, 15.0% had a female householder with no husband present, 3.7% had a male householder with no wife present, and 47.5% were non-families. 36.5% of all households were made up of individuals, and 12.7% had someone living alone who was 65 years of age or older. The average household size was 2.18 and the average family size was 2.90.
The median age in the city was 37.4 years. 19.5% of residents were under the age of 18; 11.3% were between the ages of 18 and 24; 28.5% were from 25 to 44; 24.7% were from 45 to 64; and 16% were 65 years of age or older. The gender makeup of the city was 46.6% male and 53.4% female.
As of the census of 2000, there were 37,428 people, 16,453 households, and 9,114 families living in the city. The population density was 6,363.1 inhabitants per square mile (2,456.8/km). There were 17,485 housing units at an average density of 2,972.6 per square mile (1,147.7/km). The racial makeup of the city was 49.26% White, 45.35% African American, 0.16% Native American, 2.85% Asian, 0.03% Pacific Islander, 0.56% from other races, and 1.80% from two or more races. Hispanic or Latino of any race were 1.56% of the population. The city is considered (by inhabitants) to be divided roughly into three zones from north to south. North of Olive is predominantly Black, from Olive to Delmar is mixed, and south of Delmar is predominantly White. Because of the city’s racial composition, it has not been part of the integration busing program between the City of St. Louis and St. Louis County.
There were 16,453 households, out of which 23.7% had children under the age of 18 living with them, 36.3% were married couples living together, 16.3% had a female householder with no husband present, and 44.6% were non-families. 34.2% of all households were made up of individuals, and 10.2% had someone living alone who was 65 years of age or older. The average household size was 2.25 and the average family size was 2.96.
In the city, the population was spread out, with 21.8% under the age of 18, 11.3% from 18 to 24, 31.1% from 25 to 44, 22.4% from 45 to 64, and 13.3% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 84.1 males. For every 100 females age 18 and over, there were 80.1 males.
The median income for a household in the city was $75,902, and the median income for a family was $90,539. Males had a median income of $55,588 versus $45,440 for females. The per capita income for the city was $26,901. About 9.5% of families and 14.7% of the population were below the poverty line, including 19.1% of those under age 18 and 12.1% of those age 65 or over.
In the late 19th century, the area that is now University City was primarily farms and small farming communities. In 1902, Edward Gardner Lewis purchased 85 acres just outside the city limits of St. Louis, northwest of Forest Park, where the St. Louis World’s Fair would be held two years later in 1904. Lewis was the publisher of Woman’s Magazine and Woman’s Farm Journal. The 85-acre area would be the headquarters for Lewis’s publishing company, as well the site for a model city, inspired by the City Beautiful movement.
In 1903, Lewis broke ground for his publishing company’s headquarters: the Magazine Building (now City Hall), an ornate octagonal 135-foot tower. Soon, other architecturally significant structures and developments were erected, including an austere Egyptian temple, the Art Academy, and the Lion Gates. The Egyptian temple once served as a Masonic Temple and is now home to the Church of Scientology of St. Louis. The Art Academy and the Lion Gates were designed by the Eames & Young architecture firm, which enlisted sculptor George Julian Zolnay to create the Lion Gates.
University City was formally incorporated in September 1906 and Lewis became its first mayor. Between 1910 and 1920, University City grew faster than any other city in Missouri. By the 1920s, University City’s main business corridor, along Delmar Boulevard just north of Washington University, was a bustling commercial district with new multifamily housing attracting new residents. Streetcars were the primary mode of transportation for shoppers and residents alike. After World War II, the city experienced its greatest housing construction.
In the 1960s, Black people displaced by urban renewal projects in the city of St. Louis began to move west into St. Louis County. “University City was the first county municipality to struggle with the issues of fair housing and traditions of segregation,” Nini Harris wrote. One innovative and controversial attempt to combat segregation was The University City Home Rental Trust.
The School District of University City operates public schools.
University City has one high school: University City High School. The city also has one middle school, Brittany Woods Middle School, and four elementary schools: Flynn Park, Barbara C. Jordan, Pershing and Jackson Park. It is also home to two Catholic grade schools, Our Lady of Lourdes and Christ the King.
University City Public Library serves the community.
University City is home to COCA, the Center Of Creative Arts, which has a nationally recognized pre-professional dance training program. Alumni have danced for
Trisha Brown, Cecil Slaughter, Houston Ballet, Ballet Hispanico New York, Mark Morris, Alvin Ailey, the national tours of Wicked and Cinderella, and Tarzan on Broadway.
University City has a public library at 6701 Delmar Boulevard. Established in 1939, the library houses more than 150,000 volumes as well as music and spoken recordings, videotape and DVD collections, and works of art. The library is open seven days a week, including five evenings.
University City has 17 parks and one 9-hole golf course, Ruth Park Golf Course.
The largest park is Heman Park (85.26 acres).
In recent decades, efforts have been made to establish a successor to the earlier ethnic neighborhood of Chinatown in the city of St. Louis. A number of Asian grocery stores and restaurants exist along Olive Boulevard between I-170 and Skinker Boulevard in University City. The route contains mostly Chinese businesses, rather than residents. Although efforts were made to designate part of the area as “Chinatown”, surrounding community members objected to the proposals. Also, the Missouri Department of Transportation has jurisdiction over part of Olive Boulevard and does not permit decorative archways or gateways spanning the roadway, as can be seen in other Chinatowns. As a result, there is no officially designated Chinatown in the St. Louis area. Since 2016, the University City government has sought to foster economic development along the corridor with tax incentives and by rebranding it “University City Olive Link”.
The Delmar Loop, an entertainment, cultural and restaurant district, sits along Delmar Boulevard, parallel to and six blocks north of the northern boundary of the university. Among the more prominent businesses in the Delmar Loop is Blueberry Hill, a restaurant and concert venue owned by Joe Edwards and Linda Edwards at 6504 Delmar Boulevard. Opened in 1972, its concert venue, The Duck Room, is noted for its relationship with the musician Chuck Berry, who performed there over 200 times.
The Loop is also home to the St. Louis Walk of Fame, which as of April 2020 memorializes more than 150 St. Louisans with brass stars embedded in the sidewalk.