Owner Operator Truck Truck Insurance Fort Stewart, Georgia
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Owner Operator Truck Truck Insurance Fort Stewart, Georgia
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Owner Operator Truck Truck Insurance Fort Stewart, 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 Fort Stewart, Georgia
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Owner Operator Truck Truck Insurance Fort Stewart, Georgia
Owner Operator Truck Truck Insurance Fort Stewart, Georgia
Fort Stewart is a United States Army post in the U.S. state of Georgia. It lies primarily in Liberty and Bryan counties, but also extends into smaller portions of Evans, Long and Tattnall counties. The nearby city of Hinesville, along with Ft. Stewart and the rest of Liberty and Long Counties, comprise the Hinesville metropolitan area. Many of Fort Stewart’s residents are members of the 3rd Infantry Division.
The Fort Stewart Military Reservation includes approximately 280,000 acres (1,100 km). This includes land that was formerly the town of Clyde, Georgia.
Fort Stewart is located along the Canoochee River.
Units assigned to Fort Stewart are:
3rd Infantry Division
Fort Stewart is named for Daniel Stewart (Brigadier General), a Revolutionary War hero and political leader from Liberty County, Georgia. It is the largest Army installation east of the Mississippi River, covering 280,000 acres (1,100 km2), which include parts of Liberty, Long, Bryan, Evans and Tattnall Counties. The reservation is about 39 miles (63 km) across from east to west, and 19 miles (31 km) from north to south. During World War II, the camp had billeting space for 2,705 officers, and 37,267 enlisted men. It is close to the East Coast, and two deepwater ports: Savannah, Georgia (42 mi), and Charleston, South Carolina (142 mi). Tank, field artillery, helicopter gunnery, and small arms ranges operate simultaneously throughout the year with little time lost to bad weather.
In June 1940, Congress authorized funding for the purchase of property in coastal Georgia for the purpose of building an anti-aircraft artillery training center. It was to be located just outside Hinesville, Georgia, some 40 miles (64 km) southwest of Savannah.
On 1 July 1940 the first 5,000 acres (20 km) were bought and subsequent purchases followed. Eventually the reservation would include over 280,000 acres (1100 km2) and stretch over five counties. The large expanse of property was required for the firing ranges and impact areas which an anti-aircraft artillery training center would need for live-fire training.
In November 1940, the Anti-Aircraft Artillery Training Center was officially designated as Camp Stewart, in honor of General Daniel Stewart, a native of Liberty County, who had fought with Francis Marion during the American Revolution, and who became one of the county’s military heroes. An announcement of the new post’s name was made in January 1941.
During the early months, training was done on wooden mock-ups, since real anti-aircraft guns were in short supply. Live-firing exercises were conducted on the beaches of St. Augustine and Amelia Island, Florida, since the necessary ranges and impact areas had not been completed at Camp Stewart. This live-fire training over the ocean continued until September 1941, while at Camp Stewart practice firing and searchlight training progressed.
In fall of 1941, the Carolina Maneuvers were held, and all the anti-aircraft units from Camp Stewart participated. As these maneuvers drew to a close, a feeling of restless anticipation pervaded the ranks of the National Guard soldiers who were looking toward their impending release from active duty, after completion of their year of training. However, the Japanese attack on Pearl Harbor on December 7 ended these dreams. Now the U.S. was in the war, and Camp Stewart set about accomplishing the mission it was intended for.
Savannah’s First Bryan Baptist Church had a special service for soldiers from the Savannah Air Base and Camp Stewart December 21, 1941. Reverend Terrill wrote a letter to Asa H. Gordon, director of the Colored SSSS, extending the invitation to the soldiers. Church members took at least one soldier home from the service for Sunday dinner. Reverend Terrill, at the special service for soldiers, preached on “The Negro’s Place in National Defence.” Thelma Lee Stevens gave the welcome address. Scout Westley W. Law was master of ceremonies (source: page 71, Dr. Charles J. Elmore, “First Bryan 1788–2001 The Oldest Continuous Black Baptist Church in America.”)
The National Guard units departed and new units came in for training. Facilities were expanded and improved. Anti-aircraft artillery training was upgraded and soon a detachment of Women Airforce Service Pilots (WASP’s) arrived at the air facility on post, Liberty Field, to fly planes to tow targets for the live-fire exercises. Eventually radio-controlled airplane targets came into use as a more effective and safer means of live-fire practice.
As the war progressed, Camp Stewart’s training programs continued expanding to keep pace with the needs placed upon it. Units were shipped out promptly upon completion of their training, and new units received in their place. The camp provided well-trained soldiers for duty in the European, the Mediterranean, the North African, and the Pacific Theaters.
By late 1943, Camp Stewart assumed a new responsibility as one of many holding areas designated in this country for German and Italian prisoners of war (POWs), who had fallen into Allied hands during fighting in North Africa. These men were held in two separate POW facilities on post, and they were used as a labor force for base operations, construction projects, and for area farming.
Beside its initial purposes as an anti-aircraft artillery training center, Camp Stewart also served as a Cooks’ and Bakers’ School, and as a staging area for a number of Army postal units. By spring 1944, the camp was bulging at its seams as more than 55,000 soldiers occupied the facility during the build-up for the D-Day invasion. However, almost overnight, the post was virtually empty as these units shipped out for England. With the D-Day invasion and Allied control of the air over Europe, the need for anti-aircraft units diminished, and in response the anti-aircraft training at Camp Stewart was phased out. By January 1945 only the POW camp was still functioning.
With the end of the war, Camp Stewart came to life briefly as a separation center for redeployed soldiers, but on 30 September 1945, the post was inactivated. Only two officers, 10 enlisted men, and 50 civilian employees maintained the facilities, and the Georgia National Guard only did training during summer months.
With the outbreak of hostilities in Korea in June 1950, the U.S. once again found itself with the need to update training and to prepare new soldiers to meet the crisis in Korea. Camp Stewart was reopened on 9 August 1950, its facilities repaired, and National Guard troops brought in for training. On 28 December 1950, Camp Stewart was redesignated as the 3rd Army Anti-Aircraft Artillery Training Center. Intensive training of soldiers destined for service in Korea began. Since control of the air in Korea wasn’t seriously challenged by the Communist forces, in late 1953 Camp Stewart’s role changed from solely anti-aircraft training to include armor and tank firing as well.
When the Korean War eventually cooled down, it was recognized that the U.S. would be required to maintain a ready and able military force to deal with any potential threat to itself and its allies. Camp Stewart would have a role to play in that mission. The decision was made that the post would no longer be viewed as a temporary installation. On 21 March 1956, it was redesignated as Fort Stewart. Its role would continue to evolve in response to specific needs and world events.
In 1959, Fort Stewart was redesignated as an Armor and Artillery Firing Center, since its old anti-aircraft ranges and impact areas were better suited for this purpose in the new age of missiles. By 1961, there was a feeling that Fort Stewart may have served its usefulness, and there was movement afoot to deactivate the post again. However, the age of missiles brought with it new threats and a new mission for Fort Stewart.
As a result of the Cuban Missile Crisis in October 1962, the 1st Armored Division was ordered to Fort Stewart for staging, and in the short span of two weeks the population of the fort rose from 3,500 personnel to over 30,000.
The country prepared for the worst, but in the end a compromise was reached, and the crisis passed. Shortly after, word was received at Fort Stewart that a VIP would be visiting the post and that the post conference room wasn’t worthy of a person of this stature. Thus, preparations were rapidly made to convert this conference room into a more suitable one. The command group at Fort Stewart quickly discerned that this VIP would be none other than Commander in Chief, President John F. Kennedy. He arrived at Hunter Field on 26 Nov. 1962 and flew to Donovan Parade Field at Fort Stewart, where he reviewed the entire 1st Armored Division. From there he was taken to the new conference room where he was briefed on armed forces readiness to respond to the Cuban Missile Crisis, and then he visited troops in nearby training areas.
After the Cuban Missile Crisis had passed, the Cold War situation kept Fort Stewart in an active training role. During the late 1960s, another developing situation would bring about yet another change in Fort Stewart’s mission. With tensions growing in the divided country of Vietnam, the U.S. found itself becoming increasingly involved in that conflict.
The Vietnamese terrain and the type of war being fought there demanded an increased aviation capability through the use of helicopters and light, fixed-wing aircraft. This brought about a need for more aviators. In response to this need, an element of the U.S. Army Aviation School at Fort Rucker, Alabama, was transferred to Fort Stewart in 1966. Helicopter pilot training and helicopter gunnery courses became Fort Stewart’s new mission. In an ironic twist, now instead of training soldiers to shoot down aircraft, Fort Stewart was training soldiers to fly them.
When the U.S. Air Force closed its base at Hunter Field in Savannah in 1967, the Army promptly assumed control and in conjunction with the flight training being conducted at Fort Stewart, the U.S. Army Flight Training Center came into being. The helicopter pilot training was rapidly accelerated and pilots were trained and soon sent to duty all over the world, with a large percentage seeing active duty in Vietnam.
The Army established the first dedicated attack helicopter training school at Hunter in July 1967. The Attack Helicopter Training Department (AHTD) trained Army, Marine and a few foreign officers (principally Spanish Navy) in the AH-1G Cobra attack helicopter.
Hunter Army Airfield, covers about 5,400 acres (22 km) and is also the home of the U.S. Coast Guard Station, Savannah – the largest helicopter unit in the Coast Guard. It provides Savannah and the Southeast United States with round-the-clock search-and-rescue coverage of its coastal areas.
In 1969 President Nixon planned to reduce American involvement in Vietnam by training the Vietnamese military to take over the war. In conjunction with this, helicopter flight training for Vietnamese pilots began at the Training Center in 1970 and continued until 1972.
Gradually America’s involvement in Vietnam dwindled and by mid-1972 the flight training aspect of Fort Stewart’s mission was terminated, and both Hunter Field and Fort Stewart reverted to garrison status. The following year Hunter Field was closed entirely and Fort Stewart sat idle, with the exception of the National Guard training which continued to be conducted at the installation.
On 1 July 1974, the soon-to-be reactivated 1st Battalion, 75th Infantry Regiment (Ranger), parachuted into Fort Stewart. The Battalion was formally reactivated the following month. It was the first Army Ranger battalion activated since the Second World War. Hunter Army Airfield was reopened to support the training and activities of the Rangers.
In October 1974, Headquarters, 24th Infantry Division was activated at Fort Stewart. This historic unit, which had seen active and arduous service in the Pacific during WW II and in the Korean War, and served as an element of NATO forces defending western Europe, had been inactive since 1970. The “Victory” Division, as it was known, was going to make Fort Stewart its home. It was perhaps fitting that the “V” shaped layout of the main post itself represented the “V” for the Victory Division. The 24th Infantry Division would make Fort Stewart uniquely its own.
With the reactivation of the 24th Infantry Division, the post entered a new phase in its history. Facilities were upgraded, and new permanent structures replaced many of the old World War II-era wooden buildings from the days of Camp Stewart. On 1 October 1980, the 24th Infantry Division was designated a mechanized infantry division, and assigned as the heavy division of the XVIII Airborne Corps, the core element of the newly organized Rapid Deployment Force. This designation was the fruition of that potential first realized by those who served at the post during the Cuban Missile Crisis.
The 24th Infantry Division began intensive training over the expanse of piney woods and lowlands of the post, and conducted live-fire exercises on many of the old Camp Stewart anti-aircraft ranges. Additional deployment training and exercises took Division units from Georgia’s woodlands to the National Training Center at Fort Irwin, California, as well as to other areas of the world such as Egypt and Turkey. The Division was regularly seen in REFORGER exercises in Germany and BRIGHT STAR in Egypt. Its training was continuous. The mission of the Rapid Deployment Force was to be prepared to deploy to practically any point on the globe at a moment’s notice, to deal with whatever threat might be discerned.
In August 1990, Iraq invaded and overran neighboring Kuwait, and threatened to do the same to Saudi Arabia. The Port of Savannah worked around the clock to load and ship the Division’s heavy equipment, while aircraft shuttles from Hunter Field flew the Division’s personnel to Saudi Arabia. Within a month, the entire Division had been reassembled in Saudi Arabia to face the possible invasion of that country by Iraqi forces. Fort Stewart saw a growing influx of National Guard and Reserve units who were being mobilized to support the operations in Saudi Arabia and to assume the tasks at the post which had formerly been accomplished by 24th Infantry Division personnel. In many ways, Fort Stewart appeared to be almost a ghost town, as never before had the entire Division been deployed from the post at one time. Within eight months, the crisis at the Persian Gulf had concluded, and the 24th Infantry Division triumphantly returned to its home in coastal Georgia.
The post-Cold War drawdown of forces in Europe resulted in many storied units coming home to the US. On 25 April 1996, “ownership” of Fort Stewart passed as the 24th Infantry Division was inactivated and the 3rd Infantry Division was reactivated. Thus began a new chapter in the history of Fort Stewart.
Fort Stewart also was a leading mobilization station for Army units preparing for tours in Operation Iraqi Freedom as well as two-week National Guard annual training.
Since 2008, a small portion of the base has been designated as a census-designated place (CDP) for statistical purposes, with a residential population at the 2020 census of 8,821.
As of the 2010 United States Census, there were 4,924 people living in the base. The racial makeup of the base was 58.7% White, 23.2% Black, 0.6% Native American, 1.6% Asian, 0.4% Pacific Islander, 0.1% from some other race and 3.6% from two or more races. 11.8% were Hispanic or Latino of any race.
As of the census of 2000, there were 11,205 people, 1,849 households, and 1,791 families living in the base. The population density was 1,697.1 people per square mile (655.3 people/km2). There were 1,936 housing units at an average density of 293.2 per square mile (113.2/km). The racial makeup of the base was 50.00% White, 36.75% African American, 0.72% Native American, 1.91% Asian, 0.41% Pacific Islander, 6.75% from other races, and 3.45% from two or more races. Hispanic or Latino of any race were 12.12% of the population.
There were 1,849 households, out of which 81.7% had children under the age of 18 living with them, 88.0% were married couples living together, 7.4% had a female householder with no husband present, and 3.1% were non-families. 2.9% of all households were made up of individuals, and 0.1% had someone living alone who was 65 years of age or older. The average household size was 3.65 and the average family size was 3.68.
The age distribution is: 27.3% under the age of 18, 39.9% from 18 to 24, 31.6% from 25 to 44, 1.1% from 45 to 64, and 0.1% who were 65 years of age or older. The median age was 22 years. For every 100 females, there were 197.0 males. For every 100 females age 18 and over, there were 251.8 males. All these statistics are consistent with Fort Stewart’s military status.
The median income for a base household is $30,441, and the median income for a family was $29,507. Males had a median income of $18,514 versus $17,250 for females. The per capita income for the base was $11,594. About 9.7% of families and 11.0% of the population were below the poverty line, including 13.0% of those under age 18 and none of those age 65 or over.
Fort Stewart’s school district is the Department of Defense Education Activity (DoDEA).
The DoDEA operates the following elementary schools on-post:
Students at the secondary level attend public schools operated by county school districts. Liberty County School District operates the public schools in Liberty County.
According to the Köppen Climate Classification system, Fort Stewart has a humid subtropical climate, abbreviated “Cfa” on climate maps. The hottest temperature recorded in Fort Stewart was 110 °F (43.3 °C) on July 15, 1986, while the coldest temperature recorded was 0 °F (−17.8 °C) on January 21, 1985.
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