Owner Operator Truck Truck Insurance Ludowici, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Ludowici, 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 Ludowici, 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 Ludowici, Georgia
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Owner Operator Truck Truck Insurance Ludowici, Georgia
Owner Operator Truck Truck Insurance Ludowici, Georgia
Ludowici is a city in Long County, Georgia, United States. The population was 1,703 at the 2010 census and an estimated 2,221 in 2018. The city is the county seat of Long County. It is a part of the Hinesville-Fort Stewart metropolitan statistical area.
The town, which was originally called Johnston Station, had its beginnings in the 1840s when the Atlantic and Gulf Railroad established a stop referred to as “Four and a Half”. The station was constructed across from the house of a landowner named Allen Johnston.
The Long County Courthouse and Ludowici Well Pavilion are listed on the National Register of Historic Places listings in Long County, Georgia.
In 1900, the population was about 300 and Johnston Station had a telegraph, post, and express offices. H. F. McKay, an African American Republican, was elected to the Georgia Senate to represent Liberty County the same year. He lived in the area of Johnston Station.
In 1902, the Ludowici Roofing Tile Company built their “Dixie” plant in Johnson Station. In 1905, when the town erected a new high school, the Ludowici company donated towards its construction costs and provided the roofing tile. In return, on August 23, 1905, the town was renamed and incorporated as Ludowici.
The Ludowici Dixie Plant in its heyday covered more than 1,100 acres (450 ha) and employed most people who resided in Long County. Tiles manufactured from this plant were stamped “Ludowici Dixie”. “Dixie” tile can still be found throughout Georgia and Florida, on such prominent buildings as the U.S. Federal Building in Savannah and Flagler College in St. Augustine, Florida, as well as numerous homes in Ludowici and the surrounding communities. The plant closed in 1914. The Ludowici Roof Tile Company still exists, but the company’s plant is in New Lexington, Ohio.
Before interstate highways were constructed, all motorists traveled on regular U.S. highways. Ludowici was at the crossroads of three U.S. highways, Routes 25, 82 and 301. Many vacationers on their way to Florida passed through Ludowici.
The city gained notoriety during the 1950s and 1960s for its aggressive traffic enforcement policies. The AAA went so far as to specifically label Ludowici as a speed trap. Members of the local police force were allegedly engaging in manipulation of the timing of the traffic signal downtown, so as to catch unsuspecting out-of-area motorists “running” a suddenly changed red light. The switch for the stop light was located in the barber shop. The traffic light was at an intersection that was bypassed by a shortcut (Main Street – see a local map) so that local residents would not even come to the light when making the turn at the light. Thus, all the tickets went to nonresidents without the police having to be selective since no locals would be at the light. A song was also written about the town.
Then-Governor Lester Maddox posted billboards warning tourists to avoid the town because ticket-related corruption was so bad. Word of mouth and media exposure caused many motorists to detour around Ludowici. A 1970 TIME article said that Ludowici was “one of the last remaining speed traps in the country.”
Reason reported that it wasn’t the activity of Governor Maddox that ultimately ended the speed trap activities of the town, but rather that, “In the end, Ludowici was brought down not by Maddox, but by Interstate 95. Tourists no longer had to run a gauntlet of cops and flim-flam men to reach Florida’s sunnier climes, and the town faded into well-deserved obscurity.”
Ludowici, in southeast Georgia, is located 30 miles (48 km) from the Atlantic coast. Nearby communities include Jesup 11 miles (18 km) to the southwest via US Routes 301, 84, and 25; Darien 32 miles (51 km) to the southeast via State Route 57; Hinesville/Fort Stewart 15 miles (24 km) to the northeast via US 84; and Glennville 21 miles (34 km) to the northwest via US 301 and 25.
According to the United States Census Bureau, Ludowici has a total area of 2.4 square miles (6.1 km), of which 0.01 square miles (0.03 km2), or 0.54%, are water. The city drains west to Jones Creek and east to Doctors Creek, both tributaries of the Altamaha River.
As of the 2020 United States census, there were 1,590 people, 763 households, and 573 families residing in the city.
As of the census of 2000, there were 1,440 people, 526 households, and 370 families residing in the city. The population density was 649.0 inhabitants per square mile (250.6/km2). There were 636 housing units at an average density of 286.6 per square mile (110.7/km). The racial makeup of the city was 72.78% White, 23.82% African American, 1.18% Native American, 0.14% Asian, 0.14% Pacific Islander, 1.25% from other races, and 0.69% from two or more races. Hispanic or Latino of any race were 3.9% of the population.
There were 526 households, out of which 41.3% had children under the age of 18 living with them, 46.4% were married couples living together, 19.2% had a female householder with no husband present, and 29.5% were non-families. 24.1% of all households were made up of individuals, and 11.6% had someone living alone who was 65 years of age or older. The average household size was 2.74 and the average family size was 3.27.
In the city, the population was spread out, with 33.6% under the age of 18, 11.7% from 18 to 24, 27.4% from 25 to 44, 16.6% from 45 to 64, and 10.7% who were 65 years of age or older. The median age was 28 years. For every 100 females, there were 95.4 males. For every 100 females age 18 and over, there were 87.5 males.
The median income for a household in the city was $27,386, and the median income for a family was $28,792. Males had a median income of $25,272 versus $16,250 for females. The per capita income for the city was $11,701. About 18.5% of families and 18.1% of the population were below the poverty line, including 22.9% of those under age 18 and 15.8% of those age 65 or over.
The Long County School District holds pre-school to grade twelve, and consists of two elementary schools, a middle school, and a high school. The district has 119 full-time teachers and over 3,285 students.
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.
