Owner Operator Truck Truck Insurance Hahira, Georgia
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Owner Operator Truck Truck Insurance Hahira, 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.
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Owner Operator Truck Truck Insurance Hahira, 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 Hahira, Georgia
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Owner Operator Truck Truck Insurance Hahira, Georgia
Owner Operator Truck Truck Insurance Hahira, Georgia
Hahira is a city in northwest Lowndes County, Georgia, United States. The population was 3,384 at the 2020 census, up from 1,626 at the 2000 census.
Hahira has a mayor-council form of elected government. As of 2023, the city is led by Mayor Bruce Cain and the four members of the City Council, who are elected from single-member districts. The city is mentioned in several songs by the American singer and comedian Ray Stevens, most notably in the song “Shriner’s Convention.”
According to legend, the town of Hahira was named after a local cotton plantation. The planter was said to have named his estate after a West African village, Hairaairee, which was described to him by an English traveler. The name may be derived from Pi-HaHiroth, a place mentioned in the Hebrew Bible. According to a local legend, the name originated with a locomotive engineer called Hira, who was hailed by friends with, “Hey, Hira.”
The Georgia General Assembly incorporated Hahira in 1891, with Henry Briggs Lawson serving as the first mayor until 1907. By the time of its incorporation, several stores had already been established due to an influx of residents in the mid-1880s. In 1904, a bank was opened, followed by a newspaper in 1906. Prior to 1904, there was one practicing doctor in the town during the 1890s.
As a predominantly agricultural area, Hahira residents largely relied on their own vegetable gardens, raised hogs for meat, and owned milk cows. The primary cash crop was cotton, which remained so until the early 1920s when a Boll weevil infestation devastated the crop. Subsequently, tobacco became the main source of income for farmers despite traditionally only been grown in Virginia and North Carolina.
In the late 1920s, a group of tobacco businessmen in Hahira established a cigarette manufacturing facility instead of shipping their products to the northern U.S. Their cigarette packs featured a Native American man on the front and a wigwam on the back. However, during the Great Depression, the cigarette manufacturers sold their shares in the company to the Julep Cigarette Company. Hahira then became the manufacturing site for nationally-distributed “Happy Days” cigarettes for several years. The cigarette factory was situated alongside the Norfolk Southern Railroad on Coleman Road and remained in operation until 1998. In 2002, the building was demolished, and many of its old bricks, as well as heart pine lumber from its foundation beams and flooring, were salvaged for reuse.
Additionally, timber and its by-products played a significant role in the local economy, with woodlands abundant in large yellow pine or heart pine trees. In the late 1920s and early 1930s, Hahira also gained prominence in the boxing scene through local fight promotions.
This period also marked the growth of the beekeeping industry in the area. When settlers first arrived in South Georgia, there were no honeybees to pollinate their crops. Beekeeping was introduced by W. L. Morgan in Troupville. The black bee was brought from Germany or Holland, while the yellow bee originated from Italy. J. E. Williams established an apiary in the region that is now Cook County, near Sparks, Georgia, and became the first recorded commercial beekeeper in Lowndes County. The Puett Co. and Garnett Puett Sr. are recognized as pioneers in the Hahira beekeeping industry.
Hahira has largely remained an agricultural community, with tobacco cultivation continuing as one of its main crops, though production has fallen significantly since its peak in the 20th century.
Hahira is located at 30°59′26″N 83°22′17″W / 30.99056°N 83.37139°W (30.990537, -83.371433). U.S. Route 41 passes through the center of town as Church Street, leading north 4 miles (6 km) to Cecil and south 14 miles (23 km) to Valdosta, the county seat. Interstate 75 passes through the west side of Hahira, with access from Exit 29 (Georgia State Route 122). I-75 leads north 33 miles (53 km) to Tifton and south past Valdosta 74 miles (119 km) to Lake City, Florida. State Route 122 is Hahira’s Main Street and leads east 18 miles (29 km) to Lakeland and west 22 miles (35 km) to Pavo.
According to the United States Census Bureau, Hahira has a total area of 2.80 square miles (7.26 km), of which 2.69 square miles (6.97 km2) are land and 0.11 square miles (0.29 km), or 4.00%, are water. Franks Creek runs through the westernmost part of the city and is part of the Little River–Withlachoochee River–Suwannee River watershed, flowing to the Gulf of Mexico.
As of the census of 2000, there were 1,626 people, 643 households, and 448 families residing in the city. The population density was 739.4 inhabitants per square mile (285.5/km2). There were 715 housing units at an average density of 325.1 per square mile (125.5/km). The racial makeup of the city was 73.49% White, 22.32% African American, 0.92% Native American, 0.31% Asian, 1.97% from other races, and 0.98% from two or more races. Hispanic or Latino of any race were 4.43% of the population.
There were 643 households, out of which 37.9% had children under the age of 18 living with them, 46.5% were married couples living together, 18.7% had a female householder with no husband present, and 30.3% were non-families. 27.7% of all households were made up of individuals, and 15.1% had someone living alone who was 65 years of age or older. The average household size was 2.50 and the average family size was 3.08.
In the city, the population was spread out, with 29.4% under the age of 18, 8.1% from 18 to 24, 30.4% from 25 to 44, 18.4% from 45 to 64, and 13.8% who were 65 years of age or older. The median age was 32 years. For every 100 females, there were 83.5 males. For every 100 females age 18 and over, there were 80.8 males.
The median income for a household in the city was $27,946, and the median income for a family was $37,188. Males had a median income of $27,121 versus $18,981 for females. The per capita income for the city was $12,899. About 13.9% of families and 17.6% of the population were below the poverty line, including 23.1% of those under age 18 and 19.6% of those age 65 or over.
Students in Hahira are part of the Lowndes County School District. The following schools are in Hahira:
The South Georgia Regional Library operates the Walter R. & Dorothy Salter Hahira Library. For many years, the public library of Hahira consisted of a few thousand books in a small room in City Hall, operated by Jackie Matthews and open only on Thursday afternoons. Then the state of Georgia launched a massive grant program to its cities, promising funds that would pay 90 percent of construction and furnishings to local governments that matched funds and provided land. Hahira citizens were divided down the middle, torn between serious water and sewage issues and their own public library. But in the end, Hahira, which was known during the 1920s as the Queen Bee Capital of the World, received a honey of a library, which opened on March 12, 1989. The library acquired its name from Walter R. Salter, a former mayor, councilman, and local business owner who had long desired a library for the community. Upon his death in 1984, his wife Dorothy came forward with a gift of $30,000. Dorothy was present at the library’s formal dedication and Clara Vinson was named as the first manager. Salter Hahira Library is widely used by educators and home school families for its outstanding programs; the Salter Hahira Library has earned a reputation of utmost friendliness and hospitality. It has become, without a doubt, a true community center for Hahira’s citizens, and a touchstone for storytelling enthusiasts, well worth the miles one must travel north to visit. In 2010, the library received a renovation, completed by Cauthan Construction Company, of the outside and inside worth $80,000.
Citing public safety concerns, in March 2008, the Hahira City Council, with a vote by the mayor, passed a clothing ordinance that bans residents from wearing pants that have a top falling below the waist in fit and reveal skin or undergarments (see sagging). The council was split 2–2, and their tie was broken by the mayor in favor of the ordinance.
The Hahira Honeybee Festival is an annual event held in the city during the first week of October. Established in 1981 by Mamie Sorrell and Adeline Landrum, its aim was to revitalize Hahira through an event including arts, crafts, food, entertainment, a beauty pageant, and a parade. Since its inception, the festival has grown from a single weekend into a week-long event. It has become one of the largest festivals of its kind in South Georgia. Attendance estimates for the parade and the festival’s street activities include as many as 36,000 visitors, making it a significant attraction for the town.
Often, the festival has an annual theme. For example, in 2022, the theme was “Living a Life Without Limits: Honoring Those With Special Abilities in Our Community,” and the theme for 2023 is set to revolve around and honor lineworkers.
In October 2022, Georgia Governor Brian Kemp became the first governor to serve as grand marshal in the festival’s parade.
From the early 1980s to the mid-1990s, Wilby and Gloria Coleman of Valdosta, together with family and friends, sponsored an annual bluegrass festival in Hahira. The Pick-In featured a weekend of bluegrass bands on the mountain stage as well as pickers and grinners in camp sites throughout the city. Citing falling revenues, organizers ended the Pick-Ins in the mid-1990s. In the Fall of 2009, Harvey’s Supermarket sponsored a “Great Hahira Pick-In,” before building a store on the traditional site of the festival.
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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.