Owner Operator Truck Truck Insurance Lumpkin, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Lumpkin, 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 Lumpkin, 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 Lumpkin, Georgia
Chat with JDW Truckers Insurance. We are fast and friendly. Great customer service. Free 24/7 COI.
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Owner Operator Truck Truck Insurance Lumpkin, Georgia
Owner Operator Truck Truck Insurance Lumpkin, Georgia
Lumpkin is a city and county seat of Stewart County, Georgia, United States. Per the 2020 census, the population was 891.
This area of Georgia was inhabited by succeeding cultures of indigenous Native Americans for thousands of years before European contact. Historical tribes included the Cherokee, Choctaw and Creek, who encountered European Americans as their settlements moved into traditional territory. During the Indian removal of 1830, the United States government forced such tribes to move west of the Mississippi River to Indian Territory, to extinguish their claims and make way for more European-American settlement.
Lumpkin was incorporated by European Americans on March 30, 1829. First named the county seat of Randolph County on December 2, 1830, it became the seat of Stewart County when the latter was split from Randolph three weeks later. The city was named in honor of Wilson Lumpkin, a two-term governor of Georgia and legislator who supported Indian removal. His namesake county is at the northern end of the state.
The town grew as a commercial center served by stagecoach. Its merchants traded with the planters in the area. This was part of the Black Belt, named for the fertile land in the upland South that supported extensive cotton plantations in the 19th century. In the antebellum years, planters depended on the labor and skills of hundreds of thousands of enslaved African Americans to cultivate and process the cotton for market.
After the war, many freedmen stayed in the area as sharecroppers and tenant farmers, and the economy continued to depend on agriculture. With land erosion and depletion, cotton farming gave way to peanut and pine tree cultivation, and labor needs decreased. The population of the county dropped markedly from the Great Migration of blacks to industrial jobs in the North and Midwest in the early decades of the 20th century, but the town of Lumpkin remained relatively stable. The county is still quite rural.
Lumpkin was the first small town in Georgia to complete a successful historic preservation project to encourage what has become known as heritage tourism. It restored the Bedingfield Inn, built in 1836 and located on the central square. It is listed on the National Register of Historic Places.
On December 5, 1954, a destructive F2 tornado hit the northwest side of town, killing one and injuring 20.
In the 1960s, a group of citizens created a living history complex known as Westville. They relocated 30 historic structures to create a grouping of western Georgia architecture as would have been found in an 1850s working village. Some of the buildings were purchased from the collection of John Word West established in 1928 in Jonesboro, Georgia. The village, staffed by volunteers to give the sense of daily life, has since moved to Columbus, Georgia.
The nearby private Stewart Detention Center houses federal detainees for the U.S. Immigration and Customs Enforcement. The facility is owned and run by CoreCivic. In 2011 Stewart ranked as the largest and busiest such facility in the United States. Stewart County’s share of revenue from the federal government, 85 cents per inmate per day, amounted to more than half of the county’s entire annual budget. It was removed from the 2020 U.S. Census geography for Lumpkin city hence the decline in population.
Lumpkin is located at 32°02′59″N 84°47′45″W / 32.049638°N 84.795859°W. U.S. Route 27 passes west of the city, leading north 37 miles (60 km) to Columbus and south 132 miles (212 km) to Tallahassee, Florida. Georgia State Route 27 also passes through the city, leading southwest 24 miles (39 km) to Georgetown on the Alabama state line and east 9 miles (14 km) to Richland.
According to the United States Census Bureau, the city has a total area of 1.6 square miles (4.1 km), of which 1.6 square miles (4.1 km2) is land and 0.04 square miles (0.10 km) (1.25%) is water.
The Stewart County School District holds pre-school to grade twelve, and consists of an elementary school, middle school, and high school. The district has 58 full-time teachers and over 704 students.
The current mayor of Lumpkin is Jimmy Babb. Charles Gibson, his predecessor, elected in 2010, was the first African-American elected to this office.
Council Members
Heads of Staff
Note: the US Census treats Hispanic/Latino as an ethnic category. This table excludes Latinos from the racial categories and assigns them to a separate category. Hispanics/Latinos can be of any race.
As of the census of 2000, there were 1,369 people, 552 households, and 367 families residing in the city. The population density was 862.2 inhabitants per square mile (332.9/km2). There were 621 housing units at an average density of 391.1 per square mile (151.0/km). The racial makeup of the city was 70.42% African American, 28.85% White, 0.29% Native American, and 0.44% from two or more races. Hispanic or Latino of any race were 0.66% of the population.
There were 552 households, out of which 29.7% had children under the age of 18 living with them, 34.4% were married couples living together, 26.3% had a female householder with no husband present, and 33.5% were non-families. 28.8% of all households were made up of individuals, and 14.3% had someone living alone who was 65 years of age or older. The average household size was 2.48 and the average family size was 3.08.
In the city, the population was spread out, with 27.4% under the age of 18, 7.4% from 18 to 24, 27.4% from 25 to 44, 21.3% from 45 to 64, and 16.5% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 89.3 males. For every 100 females age 18 and over, there were 77.2 males.
The median income for a household in the city was $22,315, and the median income for a family was $27,321. Males had a median income of $22,422 versus $20,250 for females. The per capita income for the city was $16,146. About 24.2% of families and 26.7% of the population were below the poverty line, including 35.7% of those under age 18 and 18.3% of those age 65 or over.
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.
