Owner Operator Truck Truck Insurance Camilla, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Camilla, 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.
We offer quote from only the top rated commercial truck insurance companies who offer the best rates for your new authority in Georgia.
JDW will help get the the correct commercial truck insurance in place which will fit your budget and allow you to haul the cargo you want and need to in order to be successful.
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Owner Operator Truck Truck Insurance Camilla, 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 Camilla, Georgia
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Owner Operator Truck Truck Insurance Camilla, Georgia
Owner Operator Truck Truck Insurance Camilla, Georgia
Camilla is a city in Mitchell County, Georgia, United States, and is its county seat. As of the 2020 census, the city had a population of 5,187, down from 5,360 in 2010.
The city was incorporated in 1858. The name “Camilla” was chosen in honor of the granddaughter of Henry Mitchell, a Revolutionary War general for whom Mitchell County was named.
Camilla and Mitchell County were originally Creek country, surrendered to the United States in the 1814 Treaty of Fort Jackson. Georgia divided the land ceded by Native Americans into lots to be given away in land lotteries. The lottery of 1820 awarded lands covering much of the southwest section of the state (applying only to land south of the future Lee County line and extending west to the Chattahoochee River and east to settled counties in east Georgia), including the area later known as Mitchell County. Despite having access to free land, few people moved to the region. Citizens hesitated to improve land, according to an early twentieth-century history the region “which God Almighty had left in an unfinished condition.” It took approximately forty years (1820–1857) for the area to obtain its necessary legal population to become a separate county, after which Camilla became the county seat.
In the early 2000s, the city was hit by two disastrous sets of tornadoes, both occurring in the dark hours of the early morning and both going through roughly the same area. The first outbreak was on February 14, 2000; the second was on March 20, 2003.
Camilla became the site of a racially-motivated political white-on-black riot on Saturday, September 19, 1868. Determined to promote political and social reform with an organized rally, 150–300 freedmen, along with Republican political candidates, marched toward the town’s courthouse square for the rally. The local sheriff and “citizens committee” in the majority-white town warned the black and white activists of the impending violence and demanded that they forfeit their guns, even though carrying weapons was customary at the time. The marchers refused to give up their guns and continued to the courthouse square, where a group of local whites, quickly deputized by the sheriff, fired upon them. This assault forced the Republicans and freedmen to retreat as locals gave chase into the swamps, killing an estimated nine to fifteen of the black rally participants while wounding forty others. “Whites proceeded through the countryside over the next two weeks, beating and warning Negroes that they would be killed if they tried to vote in the coming election.” The Camilla Massacre was the culmination of smaller acts of violence committed by white inhabitants that had plagued southwest Georgia since the end of the Civil War.(pp. 1–2)
On July 23, 1962, a group of civil rights activists tried to visit fellow demonstrators from Albany, Georgia, who had been jailed in Camilla. While the rally took place, Marion King, wife of Albany Movement’s vice president Slater King, was beaten to the ground and kicked by Camilla police guards until she was unconscious. Mrs. King was pregnant at the time and had her young children with her. She suffered a miscarriage after the ordeal. The 2012 song “Camilla” from the eponymous album by Caroline Herring pays a tribute to Mrs. King’s memory.
Camilla is located in central Mitchell County at 31°13′49″N 84°12′33″W / 31.23028°N 84.20917°W (31.230243, −84.209102). U.S. Route 19 is the main highway through the city, passing east of the downtown. US 19 leads north 27 miles (43 km) to Albany and southeast 32 miles (51 km) to Thomasville. State Routes 37 and 112 pass through the center of Camilla as Broad Street. Route 37 leads east 27 miles (43 km) to Moultrie and northwest 10 miles (16 km) to Newton, while Route 112 leads northeast 32 miles (51 km) to Sylvester and south 26 miles (42 km) to Cairo. State Route 97 leads southwest from Camilla 35 miles (56 km) to Bainbridge.
According to the United States Census Bureau, the city has a total area of 6.6 square miles (17 km), of which 0.01 square miles (0.03 km2), or 0.20%, are water.
The climate in this area is characterized by hot, humid summers and generally mild to cool winters. According to the Köppen Climate Classification system, Camilla has a humid subtropical climate, abbreviated “Cfa” on climate maps. Camilla has a relatively wet climate with high precipitation year-round, as typical of the eastern United States. Its southerly latitude in Georgia causes a greater tropical influence resulting in very mild winters in comparison with Atlanta for example.
As of the 2020 United States census, there were 5,187 people, 1,926 households, and 1,325 families residing in the city.
As of the census of 2000, there were 5,669 people, 1,994 households, and 1,405 families residing in the city. The population density was 929.4 inhabitants per square mile (358.8/km2). There were 2,128 housing units at an average density of 348.9 per square mile (134.7/km). The racial makeup of the city was 65.23% African American, 32.30% White, 0.12% Native American, 0.44% Asian, 0.04% Pacific Islander, 1.25% from other races, and 0.62% from two or more races. Hispanic or Latino of any race were 2.20% of the population.
There were 1,994 households, out of which 34.1% had children under the age of 18 living with them, 33.5% were married couples living together, 33.1% had a female householder with no husband present, and 29.5% were non-families. 26.3% of all households were made up of individuals, and 11.4% had someone living alone who was 65 years of age or older. The average household size was 2.76 and the average family size was 3.32.
In the city, the population was spread out, with 30.3% under the age of 18, 10.6% from 18 to 24, 26.8% from 25 to 44, 18.9% from 45 to 64, and 13.5% who were 65 years of age or older. The median age was 31 years. For every 100 females, there were 81.1 males. For every 100 females age 18 and over, there were 73.0 males.
The median income for a household in the city was $22,485, and the median income for a family was $24,232. Males had a median income of $23,581 versus $20,000 for females. The per capita income for the city was $13,117. About 34.3% of families and 37.7% of the population were below the poverty line, including 54.9% of those under age 18 and 20.0% of those age 65 or over.
The Mitchell County School District holds grades pre-school to grade twelve, and consists of two elementary schools, a middle school, a high school, and a charter school. The district has 176 full-time teachers and over 2,855 students. The Mitchell County Head Start Center opened in 2001. District schools include:
Andersonville Theological Seminary has its headquarters based in Camilla. The distance education seminary is accredited through the Association of Independent Christian College and Seminaries. The seminary’s headquarters consists of two administrative buildings.
The legislative authority of the government of the City of Camilla is vested in the six-member Council. Council members serve for terms of four years and until their respective successors are elected and qualified. Three members are elected from and by the voters of Council District No. 1, and three members are elected from and by the voters of Council District No. 2.
Choose the Right Agent
When choosing the agent, you want to represent you to the insurance companies. Pick an agent that is trained in commercial truck insurance. And make sure the agent you choose to work with is there when you need them. Our agents are trained in commercial truck insurance and are easy to contact. Email, phone call or text message. We respond quickly to our clients.
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.