Owner Operator Truck Truck Insurance Guyton, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Guyton, 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 Guyton, 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 Guyton, Georgia
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Owner Operator Truck Truck Insurance Guyton, Georgia
Owner Operator Truck Truck Insurance Guyton, Georgia
Guyton is a city in Effingham County, Georgia, United States. The population was 2,289 at the 2020 census, up from 1,684 in 2010. Guyton is located 28 miles (45 km) northwest of downtown Savannah, and is part of the Savannah Metropolitan Statistical Area.
While some of the early settlers came from the Savannah area, it seems that most came from North and South Carolina. In 1792 a tract of 250 acres (1.0 km) of land in the form of a land warrant from Effingham County was issued to Squire Zachariah White. The community became known as “Whitesville”. The Squire was not married and left no heir when he died in 1838. White had granted a right-of-way to the new Central of Georgia Railway Co. prior to his death. He was buried on his own land, as was the custom then. His grave is in the rear of the present New Providence Church. Years later, a local controversy was started when some of this community tried to have Squire White’s grave moved to the new local cemetery. It was never moved.
Shortly after White’s death, the Effingham County Commissioners took over his land for unpaid taxes. They had a survey made, laid off lots and streets just as they still are today, and sold it all at public auction as payment of his taxes. Many lots were bought by affluent Savannah residents as a place for a summer home. At this time, the fever was very bad in Savannah.
When the Central of Georgia Railroad Company, having a charter to build and operate a railroad from Savannah to Macon and on to Marthasville (now Atlanta), laid their track through Whitesville in 1837 or 1838, they referred to this place as Station Number 30. After a short time, locals asked the railroad company to give this place a name so they could request the federal government to place a post office here. Since there was another town in the state named Whitesville, Mr. W. W. Gordon, President of the Central Railroad, named this location “Guyton”, after Archibald Guyton, a prominent local citizen. The U. S. Post Office established a post office at Guyton, Georgia, December 31, 1851.
Guyton was an affluent town by the time of the Civil War. During the Civil War, the Confederacy built a hospital in Guyton. There are 26 Confederate soldiers buried in the local cemetery. When General Sherman marched from Atlanta to Savannah on his burn and destroy mission, he came through Guyton with his main body of troops. It took five days for his army to pass through, with some of his troops looting, burning, and stealing. The depot and tracks were destroyed, which could explain why some records of this period are not complete.
In 1887, Guyton was incorporated and issued a town charter by the State of Georgia. The local member of the Georgia Legislature who had the bill introduced and passed was Colonel Clarance Guyton, a grandson of Archibald Guyton.
The Guyton City Hall has had many requests for information about the family of Guytons. However, little is known about their background. They were rumored to have come from England to North Carolina. Archibald Guyton came to this area from North Carolina in 1825. He was married twice. His first wife was the widow Tondee of Savannah. There is a Tondee farm or plantation listed in Effingham County near Guyton during this period, so she may have had connections there. The Georgia census of 1850 shows Archibald came to Georgia in 1825. He was in the timber business. His first wife, widow Tondee died (fever) and is buried in the old Providence Baptist Cemetery. His second wife was Harriet Patterson, of this area. Archibald had a son, Robert, by his first wife and a son, Charles, by his second wife. There were several girls also as are listed in his cemetery plot. Archibald’s grandson, Clarance, was an attorney and maintained a law office in Savannah. Everyone called him Colonel Guyton. He was a member of the Georgia Legislature and was very prominent.
There are no families named Guyton living in the community today. The last Guyton family home, which was occupied by Clarance, his sister Belle Hendry, and also his sister Tallullah and her husband Fred Seckinger is still in excellent condition. It is located on Highway 17, just north of the Guyton city limits.
Every December, the spirit of Christmas is highlighted in Guyton with an annual tour of homes. This community-sponsored event will usually host around three to four thousand visitors every year. Visitors will usually tour about a dozen homes, and nearly all of the churches are open for the tour. Many homes in the historic district will have lighted doors. The festivities usually begin with a country supper and tour of the historical city. As visitors drive down main street in Guyton, they can view the lighted trees that line the old railroad median for one-mile (1.6 km). The Guyton Volunteer Fire Department usually illuminates the nearly 7,000 lights each year on the Saturday following Thanksgiving.
Today, Guyton is still a small town, but one with much history. As visitors drive through its narrow lanes and streets, particularly in December of each year, they see a Georgia town pretty much the way it was nearly a century ago.
Guyton is located in west-central Effingham County at 32°20′11″N 81°23′38″W / 32.33639°N 81.39389°W (32.336338, -81.393763). State Routes 17 and 119 cross in the southwest part of town. GA 17 leads northwest 15 miles (24 km) to Oliver and south 16 miles (26 km) to Bloomingdale, west of Savannah, while GA 119 leads northeast 5 miles (8 km) to Springfield, the Effingham County seat, and southwest 14 miles (23 km) to Interstate 16 in Bulloch County.
According to the United States Census Bureau, Guyton has a total area of 3.2 square miles (8.3 km), of which 0.02 square miles (0.04 km2), or 0.48%, is water.
As of the 2020 United States census, there were 2,289 people, 665 households, and 527 families residing in the city.
As of the 2010 United States Census, there were 1,684 people living in the city. The racial makeup of the city was 60.3% White, 35.7% Black, 0.1% Native American, 0.4% Asian and 1.4% from two or more races. 2.2% were Hispanic or Latino of any race.
As of the census of 2000, there were 917 people, 300 households, and 236 families living in the city. The population density was 770.3 inhabitants per square mile (297.4/km2). There were 340 housing units at an average density of 285.6 per square mile (110.3/km). The racial makeup of the city was 60.31% White, 37.08% African American, 0.55% Native American, 0.44% Asian, 0.22% from other races, and 1.42% from two or more races. Hispanic or Latino of any race were 1.31% of the population.
There were 300 households, out of which 42.7% had children under the age of 18 living with them, 57.3% were married couples living together, 16.3% had a female householder with no husband present, and 21.3% were non-families. 18.3% of all households were made up of individuals, and 8.7% had someone living alone who was 65 years of age or older. The average household size was 3.06 and the average family size was 3.50.
In the city, the population was spread out, with 33.9% under the age of 18, 8.6% from 18 to 24, 26.5% from 25 to 44, 19.2% from 45 to 64, and 11.8% who were 65 years of age or older. The median age was 30 years. For every 100 females, there were 96.4 males. For every 100 females age 18 and over, there were 86.5 males.
The median income for a household in the city was $27,679, and the median income for a family was $34,250. Males had a median income of $31,719 versus $18,906 for females. The per capita income for the city was $12,409. About 13.8% of families and 18.7% of the population were below the poverty line, including 33.5% of those under age 18 and 8.1% of those age 65 or over.
Choose the Right Agent
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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.