Owner Operator Insurance Requirements Vestavia Hills, Alabama
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Vestavia Hills, Alabama. 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 Vestavia Hills, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Vestavia Hills, Alabama 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.
Vestavia Hills, colloquially known simply as Vestavia, is a city in Jefferson and Shelby counties in the U.S. state of Alabama. It is a suburb of Birmingham and it is made up of Vestavia, Liberty Park, and Cahaba Heights. As of the 2020 census, its population was 39,102, up from 34,033 in 2010. It moved up from the fifth largest city in Jefferson County in 2000 to the third largest in 2010, behind Birmingham and Hoover.
Vestavia Hills is named for the 20-acre (8.1 ha) estate of former Birmingham mayor George B. Ward. It was situated on the crest of Shades Mountain in what is now the northern edge of the city. Ward’s mansion at the Vestavia estate became a landmark in the area as soon as it was completed in 1925. The 2+1⁄2-story house was patterned after the circular Temple of Vesta in Rome, with dark pink sandstone walls encircled by 20 massive white Doric columns surmounted by a carved entablature. The extensive gardens, populated by statuary and peacocks, surrounded a smaller domed gazebo patterned after the Temple of Sibyl in Tivoli.
After Ward’s death, the house, something of a tourist stop near the highway between Birmingham and Montgomery, was used as a tearoom and reception hall before being purchased by Vestavia Hills Baptist Church. The church met in the temple like structure for several years before demolishing a portion of the building in 1971 to make way for a larger building; a central portion of the original building remains. The local garden club moved the gazebo to a prominent outcropping closer to the highway, there to serve as a landmark gateway into the community.
The development of Vestavia Hills as a residential suburb began in 1946, when developer Charles Byrd planned a subdivision for approximately 1,000 people on the southern flank of Shades Mountain. The suburb was incorporated as a separate city on November 8, 1950, and has since grown, by rapid development and annexation, into a thriving small city of over 39,000 by 2020.
Vestavia Hills is located at 33°25′59″N 86°46′44″W / 33.43306°N 86.77889°W (33.433057, −86.778894). The Vestavia Hills Federal Information Processing Standard (FIPS) code is 78552.
The city is located along U.S. Route 31, which runs north to south through the city, leading north 7 mi (11 km) to downtown Birmingham and southwest 4 mi (6 km) to Hoover.
According to the U.S. Census Bureau, the city has a total area of 19.41 square miles (50.3 km), of which 19.40 square miles (50.2 km) is land and 0.07%, water.
As of the 2020 United States census, there were 39,102 people, 13,082 households, and 9,569 families residing in the city.
As of the census of 2010, there were 34,033 people, in 13,388 households residing in the city. The population density was 1,753.5 people per square mile. There were 14,952 housing units. The racial makeup of the city was 90.4% White, 3.8% Black or African American, 0.2% Native American, 3.8% Asian, 0.10% Pacific Islander, and 1.0% from two or more races. 2.5% of the population were Hispanic or Latino of any race.
There were 14,952 housing units and 13,388 households, with a home ownership rate of 76.8%. The average household size was 2.47 and the average family size was 3.03. The Median value of owner-occupied housing units was $318,200. The median household income was $87,154 with 4.0% of the population below the poverty line. The per capita income for the city was $50,017.
In the city, the population was spread out, with 25.3% under the age of 18, and 15.3% who were 65 years of age or older. The median age was 41 years. 52.4% of the population is female.
The high quality of the school system in Vestavia Hills has been recognized by the Wall Street Journal and other sources. It comprises five elementary schools, two middle schools, one alternative school and one high school, with a total enrollment of some 6,000 students. Vestavia Hills High School is known for the success of its math and debate teams, which have each won several national competitions. The schools’ band and baseball programs have also received much recognition. The 2008/2009 boys’ basketball team won the Alabama state championship in division 6A. Vestavia Hills’ wrestling team won the 7A AHSAA State Championship in 2016 and 2017, and holds the record for state championship titles in Alabama state history with 15 Wrestling State Championships. Vestavia opened its 8th school in August 2008, Liberty Park Middle School.
In Fall 2006, the Vestavia Hills Board of Education moved to petition the federal government to end the required desegregation busing of predominantly black students from the Shannon/Oxmoor Valley area due to overcrowding. The Unitary Status court settlement was federally approved in July 2007. Any students currently enrolled at any Vestavia Hills’ school will be allowed to continue in the system until graduation.
Vestavia Hills is a large community that offers its citizens many open spaces for families to enjoy the day, participate in sporting events, and take part in community events. The city of Vestavia offers many club sports and the variety of sports is always growing. Right now, the city of Vestavia supports youth baseball, softball, girls and boys basketball, wrestling, soccer, lacrosse, football, flag-football, cheerleading, tennis, and swimming. These clubs use many of the parks and facilities offered by the city.
Wald Park is one of the biggest parks in the main part of Vestavia. The park sits on top of a hill right next to Vestavia Hills Elementary West and overlooks Vestavia Hills Elementary Central. The park includes many community areas such as the Vestavia Hills Swimming Pool, the Civic Center, and the Senior’s Lodge. It is also a great place for kids and families. Wald Park offers five baseball fields, a walking track, a Community Playground, as well as a skatepark. The park is open every day from 5 a.m. until 9:30 p.m. Pets are allowed, but must be kept on a leash.
Byrd Park is a smaller local park, located next to Vestavia Hills Elementary East. It is a small area encircled by a walking path, and offers a picnic area and a playground for the children.
McCallum Park is an open area park offering only pavilions, restrooms, and a walking track. There is a large open field often used for picnics and family or community events. The park opens at 6:00 a.m. every day and closes at sunset. Pets are welcome, but must remain on a leash.
Liberty Park Sports Complex is located in the heart of Liberty Park behind the elementary and middle schools. It is home to nine softball fields, four youth fields and five adult fields. The complex also offers one football field and four natural grass soccer fields. The fields are the home to the local youth soccer club, Vestavia Hills Soccer Club. The fields open at daybreak and close at 9:30, except when events are going on. Pets are welcome.
Sicard Hollow Athletic Complex is an extension of the Liberty Park Sports Complex and is located on the road that runs behind it. Sicard Hollow is a growing complex that currently consists of a turf football and lacrosse field that double as soccer fields and an additional two turf soccer fields. Restrooms, concessions, score towers, and bleachers are available. There are plans to expand the complex to include an amphitheater, water area, dog park, and walking trails. Starting in 2016, the field will be the home ground for the Birmingham Hammers soccer club.
Cahaba Heights Athletic Fields are located directly behind Vestavia Hills Elementary, Cahaba Heights and is home to three youth baseball fields and one multipurpose field.
