Owner Operator Truck Truck Insurance Americus, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Americus, Georgia
If you are searching for New Authority Truck Insurance Georgia. JDW Truckers Insurance specializes in New Authority Truck Insurance in Georgia. We help you get affordable commercial insurance rates for your new authority.
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Owner Operator Truck Truck Insurance Americus, Georgia
We offer affordable new authority trucking insurance for the entire state of Georgia.
We Customize your New Authority Truck Insurance to Help you Save Money!
Our agents at JDW Truckers Insurance know trucking insurance in Georgia. We will explain the different options and commercial truck insurance requirements in Georgia.
We help you get the right coverages in place so you are no over paying for coverages you may not need. We also help you make sure you have the coverages you need in place. And we do this at affordable commercial truck insurance rates.
New Authority Truck Insurance Requirements and Options
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.
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, $5,00 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.
Owner Operator Truck Truck Insurance Americus, Georgia
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Owner Operator Truck Truck Insurance Americus, Georgia
Owner Operator Truck Truck Insurance Americus, Georgia
Americus is the county seat of Sumter County, Georgia, United States. As of the 2020 census, the city had a population of 16,230. It is the principal city of the Americus Micropolitan Statistical Area, a micropolitan area that covers Schley and Sumter counties and had a combined population of 36,966 at the 2000 census.
Habitat for Humanity was founded in Americus and its international headquarters is there, as well as The Fuller Center for Housing’s international headquarters, Georgia Southwestern State University, the Windsor Hotel, The Rosalynn Carter Institute for Caregivers, Cafe Campesino, and many other organizations. The city is notable for its rich history, including a large business and residential historic district, being one of the 29 places where Martin Luther King was jailed, the infamous Leesburg Stockade incident, and its close proximity to Jimmy Carter National Historic Site, Andersonville National Historic Site, and Koinonia Farm.
Americus is located at 32°4′31″N 84°13′36″W / 32.07528°N 84.22667°W (32.075221, -84.226602).
According to the United States Census Bureau, the city has a total area of 10.7 square miles (28 km), of which 10.5 square miles (27 km2) is land and 0.2 square miles (0.52 km) (1.87%) is water.
For its first two decades, Americus was a small courthouse town. The arrival of the railroad in 1854 and, three decades later, local attorney Samuel H. Hawkins’ construction of the only privately financed railroad in state history made Americus the eighth largest city in Georgia into the 20th century. It was known as the “Metropolis of Southwest Georgia”, a reflection of its status as a cotton distribution center.
In 1890, Georgia’s first chartered electric street car system went into operation in Americus. One of its restored cars is on permanent display at the Lake Blackshear Regional Library, a gift from the Robert T. Crabb family who acquired the street car in the 1940s.
The town was already graced with an abundance of antebellum and Victorian architecture when local capitalists opened the Windsor Hotel in 1892. A five-story Queen Anne edifice, it was designed by a Swedish architect, Gottfried L. Norrman, in Atlanta. Vice-President Thomas R. Marshall gave a speech from the balcony in 1917, and soon to be New York Governor Franklin D. Roosevelt spoke in the dining room in 1928.
On January 1, 1976, the city center was listed on the National Register of Historic Places as the Americus Historic District. The district boundaries were extended in 1979.
For the local minority community, Rev. Dr. Major W. Reddick established the Americus Institute (1897–1932). Booker T. Washington was a guest speaker there in May 1908. Rev. Alfred S. Staley was responsible for locating the state Masonic Orphanage in Americus, which served its function from 1898 to 1940. Both men engineered the unification of the General Missionary Baptist Convention of Georgia in 1915, the former as president and the latter as recording secretary. The public school named in honor of A.S. Staley was designated a National School of Excellence in 1990.
Two other colleges were also established in Americus, the Third District Agricultural and Mechanical School in 1906 (now Georgia Southwestern State University), and the South Georgia Trade and Vocational School in 1948 (now South Georgia Technical College). South Georgia Technical College is located on the original site of Souther Field.
In World War I, an Army Air Service training facility, Souther Field (now Jimmy Carter Regional Airport), was commissioned northeast of the city limits. Charles A. Lindbergh, the “Lone Eagle”, bought his first airplane and made his first solo flight there during a two-week stay in May 1923. Recommissioned for World War II, Souther Field was used for RAF pilot training (1941–1942) as well as US pilot training before ending the war as a German prisoner-of-war camp. The town was incorporated in 1832, and the name Americus was picked out of a hat.
Shoeless Joe Jackson served as the field manager for the local baseball team after his banishment from professional baseball. A plaque at Thomas Bell Stadium commemorates his contribution to the local baseball program.
In 1913, a young black man named Will Redding was lynched by a white mob. Redding refused the Chief of Police’s order to stop loitering, was arrested, a struggle ensued, and ultimately Redding grabbed the Chief’s gun and shot him. He was then chased down, shot, and put in jail. An angry mob went into the jail and tore down the door to Redding’s cell, dragged him out onto Forsyth street, and beat him to death with crow bars and hammers.
Koinonia Farm, an interracial Christian community, was organized near Americus in 1942 by Clarence Jordan. Its interracial nature occasioned much opposition from local residents. A terrorist campaign of violence, intimidation, vandalism, and harassment by the Ku Klux Klan and others went on for the next 25 years, as well a boycott of Koinonia’s products, such that by the late 1960s the once-thriving community was practically depopulated and essentially defunct. In the late 1960s Millard and Linda Fuller, with Clarence Jordan, revived Koinonia Farm and it thrived again. Miller and Fuller founded Habitat for Humanity International at Koinonia in 1976 before moving it into Americus the following year. In 2005, they founded The Fuller Center for Housing, also in Americus. Koinonia Farm remains in operation and is currently located southwest of Americus on Highway 49.
The civil rights era in Americus was a time of great turmoil. An uptown store which had refused to honor the Koinonia boycott was bombed in 1957. The Student Nonviolent Coordinating Committee (SNCCC) organized the peaceful protests and a voter registration drive, the Americus Movement. Rev. Dr. Martin Luther King Jr. spent a weekend in the courthouse jail in 1961, after an arrest in Albany.
In 1963 occurred the Leesburg Stockade incident. A group of African-American girls aged 12 to 15 were arrested in Americus after trying to buy movie tickets at a theatre’s whites-only window, as a form of civil protest. At least fourteen girls were taken to a filthy “hellhole”, an isolated prison in Leesburg, Georgia where they were held incommunicado for at least 45 days, in appalling conditions, without right of correspondence or legal representation, and with their families not knowing where they had been disappeared to. Some weeks later, the girls were surreptitiously photographed by Danny Lyon who had learned the girls’ location. The publishing of Lyon’s photograph in the black press eventually brought the situation to national attention, and the girls were released some weeks later without ever having been charged with any crime.
In the same year of 1963, the local Sumter Movement to end racial segregation was organized and led by Rev. Joseph R. Campbell. Four of its activists were arrested under Georgia’s 1871 Anti-Treason Act. A federal court ruled the law unconstitutional, establishing that peaceful protests could not be punishable by execution. Color barriers were first removed in 1965 when J.W. Jones and Henry L. Williams joined the Americus police force. Lewis M. Lowe was elected as the first black city councilman ten years later. With their election in 1995, Eloise R. Paschal and Eddie Rhea Walker broke the gender barrier on the city’s governing body.
In 1971, the city was featured in a Marshall Frady article, “Discovering One Another in a Georgia Town”, in Life magazine. The portrayal of the city’s school integration was relatively benign, especially considering the community’s history of troubled race relations.
As of the 2020 United States census, there were 16,230 people, 6,162 households, and 3,557 families residing in the city.
As of the census of 2000, there were 17,013 people, 6,374 households, and 4,149 families residing in the city. The population density was 1,623.1 inhabitants per square mile (626.7/km2). There were 7,053 housing units at an average density of 672.9 per square mile (259.8/km). The racial makeup of the city was 39.05% White, 58.26% African American, 0.23% Native American, 0.86% Asian, 0.01% Pacific Islander, 0.90% from other races, and 0.69% from two or more races. Hispanic or Latino people of any race were 2.49% of the population.
There were 6,374 households, out of which 32.8% had children under the age of 18 living with them, 34.2% were married couples living together, 27.4% had a female householder with no husband present, and 34.9% were non-families. 29.6% of all households were made up of individuals, and 10.5% had someone living alone who was 65 years of age or older. The average household size was 2.52 and the average family size was 3.14.
In the city, the population was spread out, with 28.0% under the age of 18, 14.1% from 18 to 24, 26.1% from 25 to 44, 18.0% from 45 to 64, and 13.7% who were 65 years of age or older. The median age was 30 years. For every 100 females, there were 79.4 males. For every 100 females age 18 and over, there were 70.4 males.
The median income for a household in the city was $26,808, and the median income for a family was $32,132. Males had a median income of $27,055 versus $20,169 for females. The per capita income for the city was $14,168. About 23.4% of families and 27.7% of the population were below the poverty line, including 44.1% of those under age 18 and 19.8% of those age 65 or over.
According to the City’s 2009 Comprehensive Annual Financial Report, the largest employers in the area were:
The Sumter County School District holds grades pre-school to twelfth, which consist of one primary school and one elementary school, two middle schools, and two high schools. The district has 353 full-time teachers and over 5,774 students.
Elementary schools:
Secondary schools:
K-12 charter school:
K-12 private school:
All schools and colleges are accredited by the Southern Association of Colleges and Schools (SACS).
The community has the Lake Blackshear Regional Library, a part of the Lake Blackshear Regional Library System. It was temporarily relocated to a shirt factory warehouse also located in Americus after the tornado in 2007, but, once the reconstruction of the library finished around 2012, it was moved back to its original place.
Americus was hit by an EF3 tornado around 9:15 pm on March 1, 2007. The tornado was up to 1 mi-wide (1.6 km), and carved a 38 mi (61 km) path of destruction through the city and surrounding residential areas. It destroyed parts of Sumter Regional Hospital, forcing the evacuations of all of the patients there. There were two fatalities at a Hudson Street residence near the hospital; all SRH patients were evacuated safely. The hospital, however, faced major reconstruction issues and was eventually torn down. A new hospital, Phoebe Sumter, opened at a new location on the corner of US 19 and Highway 280 in December 2011.
Georgia Governor Sonny Perdue said, “It was worse that [sic] I had feared. The hospital was hit, but the devastation within the area of Sumter County and Americus was more than I imagined. The businesses around the hospital are totally destroyed. Power is still not restored in many places. It’s just a blessing frankly that we didn’t have more fatalities than we did.” Over 500 homes were affected, with around 100 completely destroyed. Several businesses throughout the town were seriously damaged or destroyed as well. Among the businesses suffering major damage were Winn Dixie supermarket, Wendy’s, Zaxby’s, McDonald’s, Domino’s Pizza, and several local businesses. The Winn Dixie was completely destroyed. Domino’s Pizza has since reopened, as well as Winn Dixie, which soon closed down, a Harvey’s opening in its place.
President George W. Bush visited the area on March 3, calling what he saw “tough devastation.”
There have been eight minor league teams that have represented the city of Americus during 20 seasons spanning 1906–2002. Since classification of the minors began, seven of them have been labeled as class D loops and one played in an independent league. Several ballplayers for Americus teams subsequently played in the major leagues.
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Certificate of Insurance
Not being able to get a quick COI could cost you money by not being able to pick up a load for the lack of a COI. Our clients at JDW Truckers Insurance are given access to our COI Portal where they can issue a COI 24/7 free of charge.
Insurance Companies Customer Service
Not only should you choose a responsive agent but you will want to be insured by a commercial insurance company who also responds to your requests and are there to help you in case of a claim or endorsements
AM Best Ratings
The AM Best Rating of the commercial truck insurance company you choose to insure your operation should not be over looked. You want to be insured by a trucking insurance company that has the financial stability to pay claims. Many shippers will require an AM Best Rating of A – minus of better. At JDW all of network of commercial truck insurance companies have an AM Best Rating of A – or better.