Owner Operator Truck Truck Insurance Cascade Heights, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Cascade Heights, 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.
We are here to answer your questions with fast and friendly service.
Owner Operator Truck Truck Insurance Cascade Heights, 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 Cascade Heights, Georgia
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Owner Operator Truck Truck Insurance Cascade Heights, Georgia
Owner Operator Truck Truck Insurance Cascade Heights, Georgia
Cascade Heights is an affluent neighborhood in southwest Atlanta. It is bisected by Cascade Road, which was known as the Sandtown Road in the nineteenth century. The road follows the path of the ancient Sandtown Trail which ran from Stone Mountain to the Creek village of Sandtown on the Chattahoochee River and from there on into Alabama. Ironically, the name lived on even after the Indians were expelled in the 1830s.
After the Indian cession, settlement came quickly, and several roads in the area bear the names of early pioneers, including Willis Mill Road, Childress Drive, Herring Road, Dodson Drive, Head Road, and Sewell Road, since rechristened Benjamin Mays Boulevard. Part of “Stone’s District” in the nineteenth century, the area was dotted with small farms of white farming families, only a few of which were also home to enslaved African Americans. By the time of the Civil War there was a post office at Utoy where the Sandtown Road crossed Utoy Creek but no real community center aside from the post office, churches, and mills. Utoy Primitive Baptist Church and Mt. Gilead Methodist Church were both organized in 1824 and flourished throughout the nineteenth and into the twentieth century. In the nineteenth century, the revival camp meetings held at Mt. Gilead campground near Ben Hill from 1835 until 1989 drew thousands from all denominations in the area. Willis’ Mill on the south fork of Utoy Creek and Herring’s Mill on the north fork were critical for not only grinding corn and sawing lumber, but also for the chance to socialize. A cotton gin also operated on a site just west of what is now the Cascade Nature Preserve, and it also would have been a place that nearly everyone in the area used at one time or another.
In early 1864, as the prospect of invasion by the Union army became real, defensive works were built that encircled Atlanta a mile and a half or so from the city center. As the Confederate army was pushed steadily before General Sherman’s army in the spring of 1864, there were frantic attempts to extend the fortifications, including one line built southwest of the city along the Sandtown Road. After the Confederate defeat at Kennesaw Mountain, the Union army’s crossing of the Chattahoochee River in early July was followed by three awful battles fought later that month: the Battle of Peachtree Creek, north of the city, the so-called Battle of Atlanta on the east, and the Battle of Ezra Church on the west on July 27. During August, as Union artillery laid siege to the city, there were skirmishes all around the southwest side of the city as Sherman attempted to complete his encirclement of the city. On August 4–7, the Union and Confederate armies met at the Battle of Utoy Creek, fought in and around what is now the Cascade Nature Preserve. Union losses were put at 850, and the Confederate line held with a loss of only 35 killed, wounded, or missing.
The area remained mostly rural farmland throughout the nineteenth century, Cascade Springs was one of several sites around the city hoping to cash in on the rising middle class. Ponce de Leon Springs was the most successful perhaps, but in the springs near the old ford for the Sandtown Road over Turkeyfoot Creek was the genesis of Cascade Heights, or simply Cascade. The springs were christened “Cascade” after the three small waterfalls that spill away from the road, now in the northeast corner of the Cascade Spring Nature Preserve. A small resort developed there in the late nineteenth and early twentieth centuries. Very little remains besides an exceptionally fine spring house sheltering the original spring.
Today the term Cascade, much like the term Midtown, can refer to a much larger area than what might be shown on official maps. Generally today Cascade might be bounded by I-20 on the north, I-285 on the west, the ridges on the south side of Utoy Creek, and the pre-1954 city limits around Greenwood Cemetery. In the period between the world wars, Adams Park and Beecher Hills began to develop, and after World War II, explosive suburban growth produced Audubon Forest, Peyton Forest, West Manor, Sewell Manor, and Mangum Manor as the old farms in this part of Fulton County were subdivided and developed in the 1950s. In 1953, the area was annexed into the City of Atlanta.
In the early 1960s the area was a predominantly white neighborhood. After an African-American physician (Dr. Clinton E. Warner) bought a home in Peyton Forest, white residents in the area feared that their neighborhood would become a victim of blockbusting, a business practice in which real estate agents would profit from the racial fears of white residents while changing the racial makeup of a white residential area. When African Americans moved into a neighborhood, many whites believed that property values would automatically plunge, which was a self-fulfilling prophecy as so many homes went on the market at the same time as whites fled first West End and then Cascade Heights, Adams Park, and most of the rest of southwest Atlanta. Real estate agents stirred up racial tension and benefited from the commissions they earned when fearful homeowners sold their properties, often at a loss, in order to escape the area.
In an infamous 1962–63 episode that came to be called “the Peyton Road Affair”, Atlanta mayor Ivan Allen responded to residents’ fears of blockbusting by directing city staff to erect barricades on Peyton Road and Harlan Road to restrict access to Cascade Heights, thus preventing African-American homeseekers from getting to the neighborhood from Gordon Road (now MLK Drive). He took the action at the urging of white residents of southwest Atlanta (in particular, one of his high-level employees who lived a short distance from Peyton Road[citation needed]). After the barricades went up, December 18, 1962, the incident quickly drew national attention. The barrier was compared to the Berlin Wall and nicknamed the “Atlanta Wall”. Some newspapers in other parts of the country questioned Atlanta’s motto “the City Too Busy to Hate”. The walls were torn down when, on March 1, 1963, a court ruled them to be unconstitutional. White homeowners fled the neighborhood after the barricades were removed. By the end of July 1963, only 15 white homeowners remained in Peyton Forest.
By the late 1960s the Cascade Heights neighborhood was predominantly African-American but, in spite of the fears of some whites, little had changed in Cascade except the color of the residents. In the 1970s, the area became home to many of the movers and shakers in the city’s African American community and it remains so today. It is, in many ways, a mirror of the much-vaunted white neighborhoods in northwest Atlanta, with notable celebrities in residence, several gated communities, and flanked by two golf courses.
Notable current and former residents of Cascade Heights include:
33°43′20″N 84°27′48″W / 33.72222°N 84.46333°W
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Certificate of Insurance
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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.