Owner Operator Truck Truck Insurance Madison, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Madison, 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 Madison, 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 Madison, Georgia
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Owner Operator Truck Truck Insurance Madison, Georgia
Owner Operator Truck Truck Insurance Madison, Georgia
Madison is a city in Morgan County, Georgia, United States. It is part of the Atlanta-Athens-Clarke-Sandy Springs Combined Statistical Area. The population was 4,447 at the 2020 census, up from 3,979 in 2010. The city is the county seat of Morgan County and the site of the Morgan County Courthouse.
The Madison Historic District is one of the largest in the state. Many of the nearly 100 antebellum homes have been carefully restored. Bonar Hall is one of the first of the grand-style Federal homes built in Madison during the town’s cotton-boom heyday from 1840 to 1860.
Budget Travel magazine voted Madison as one of the world’s 16 most picturesque villages.
Madison is featured on Georgia’s Antebellum Trail, and is designated as one of the state’s Historic Heartland cities.
On December 12, 1809, the town, named for 4th United States president, James Madison, was incorporated. Madison was described in an early 19th-century issue of White’s Statistics of Georgia as “the most cultured and aristocratic town on the stagecoach route from Charleston to New Orleans.” An 1849 edition of White’s Statistics stated, “In point of intelligence, refinement, and hospitality, this town acknowledges no superior.”
While many believe that William Tecumseh Sherman spared the town because it was too beautiful to burn during his March to the Sea, the truth is that Madison was home to pro-Union Congressman (later Senator) Joshua Hill. Hill had ties with General Sherman’s brother in the House of Representatives, so his sparing the town was more political than appreciation of its beauty.
In 1895 Madison was reported to have an oil mill with a capital of $35,000, a soap factory, a fertilizer factory, four steam ginneries, a mammoth compress, two carriage factories, a furniture factory, a grist and flouringmill, a bottling works, a distillery with a capacity of 120 gallons a day, an ice factory with a capital of $10,500, a canning factory with a capital of $10,000, a bank with a capital of $75,000, surplus $12,000, and a number of small industries operated by individual enterprise. One of the carriage factories was owned and operated by prominent African-American businessman and entrepreneur H. R. Goldwire.
Against the backdrop of this Jim Crow-era prosperity, white Madisonians participated in at least three documented lynchings of African Americans. In February 1890, after a rushed trial involving knife-wielding jurors, Brown Washington, a 15-year-old, was found guilty of the murder of a 9-year-old local white girl. After the verdict, though the sheriff with the governor’s approval called up the Madison Home Guard to protect Washington, “only three militiamen and none of the officers” responded to the order. Washington was thus easily taken from jail by a posse of ten men organized by a “leading local businessman”. Described as “among the best citizens”, they promptly handed him over to a mob of 300+ waiting outside the courthouse. From there, he was taken to a telegraph pole behind a Mr. Poullain’s residence, allowed a prayer, then strung up and shot, his body mutilated by more than a hundred bullets. Afterwards, in the patriarchal exhibition-style common of southern lynchings, a sign was posted on the telegraph pole: “Our women and children will be protected.” His body was not taken down until noon the next day.
According to Brundage’s account of the lynching of Brown Washington in Lynching in the New South: Georgia and Virginia, 1880-1930:
In the aftermath, though local and state authorities vowed to thoroughly investigate the lynching as well as the Madison Home Guard’s dereliction of duty, just a week later a grand jury was advised by a judge of the superior court of Madison that any investigation would be a waste of time. In addition, the state body charged with investigating the home guard’s non-response reported that their absence had been satisfactorily explained and no tribunal would be convened to investigate the matter.”
Although the local Madisonian newspaper failed to report on the 1890 extra-judicial murder of Mr. Washington, an even earlier first lynching by Madisonians of a man they similarly pulled out of the old stone county jail appears in the contemporary accounts from the Atlanta Constitution.
In 1919, ten years after the erection of a Confederate memorial one block from the newly built Morgan County courthouse, a third lynching occurred in the dark of night a few days before Thanksgiving. This time, citizens skipped the show-trials altogether, opting to travel to the home of Mr. Wallace Baynes in what one paper of the day called an “arresting party”, though no charges against Mr. Baynes were stipulated in the news account. Baynes shot at the party, striking Mr. Frank F. Ozburn of Madison in the head, killing him instantly. In response, the mob outside his home grew to 40-50 men. Despite the arrival of Madison Sheriff C.S. Baldwin, Mr. Baynes was pulled from his home by a rope and shot near the Little River. Afterwards, the sheriff present at the lynching said he could not identify any of the men who came for Mr. Baynes, despite the fact that they arrived in cars and lit up Mr. Baynes’ home with the headlights of their vehicles. In an editorial that argued that mobs in the South were no worse than mobs in the North yet condemned future lynchings, the local Madisonian claimed: “There is not now and perhaps will never be, any friction between the races here.”
The Confederate monument erected in 1909 by the Morgan County Daughters of the Confederacy one block from the courthouse where Mr. Baynes was not afforded a trial was inscribed in part: “NO NATION ROSE/SO WHITE AND FAIR, NONE FELL SO PURE OF CRIME.” In the 1950s the monument was moved to Hill Park, a Madison city property donated by Bell Hill Knight, daughter of Joshua Hill, the aforementioned pro-Union senator who before the Civil War resigned his position rather than support secession. Mrs. Knight, whose husband Captain Gazaway Knight was Commander of the Panola Guards, a Confederate brigade that was organized in Madison, was a staunch member of the Morgan County Daughters of the Confederacy.
Madison has one of the largest historic districts in the state of Georgia, with visitors coming to see the antebellum architecture of the homes. Allie Carroll Hart was instrumental in establishing Madison’s historical prestige.
According to the Madison Historic Preservation Commission, “The Madison Historic District is listed in the National Register of Historic Places and is Madison’s foremost tourist attraction. Preservation of the district and of each property within its boundary provides for the protection of Madison’s unique historic character and quality environment. Madison’s preservation efforts reflect a nationwide movement to preserve a ‘sense of place’ amid generic modern development.” The Historic Preservation Commission, appointed by Mayor and Council, is charged with protecting the historic character of the district through review of proposed exterior changes.
Madison is located in central Morgan County at 33°35′17″N 83°28′21″W / 33.58806°N 83.47250°W (33.588038, -83.472368). According to the United States Census Bureau, the city has a total area of 8.9 square miles (23 km2), of which 0.07 square miles (0.18 km), or 0.82%, are water.
Madison is situated at an elevation of 691 feet (211 m) on a ridge which traverses Morgan County from the northeast to the southwest. In Madison, the south side of the ridge drains to tributaries of Sugar Creek, which flows southeast to the Oconee River, while the north side drains via Mill Branch to Hard Labor Creek, an east-flowing tributary of the Apalachee River, which continues to the Oconee. The southwest part of the city drains to Little Indian Creek, a tributary of the Little River, which flows to the Oconee north of Milledgeville.
Interstate 20, U.S. Route 129, U.S. Route 441, and U.S. Route 278 pass through Madison. I-20 serves the city from exits 113 and 114, leading east 90 miles (140 km) to Augusta and west 57 miles (92 km) to Atlanta. U.S. 278 runs through the center of the city, leading east 19 miles (31 km) to Greensboro and west 24 miles (39 km) to Covington. U.S. 129/441 run through the city together, leading north 29 miles (47 km) to Athens and south 22 miles (35 km) to Eatonton.
As of the 2020 United States Census, there were 4,447 people, 1,625 households, and 1,121 families residing in the city.
As of the census of 2000, there were 3,636 people, 1,362 households, and 964 families residing in the city. The population density was 410.2 inhabitants per square mile (158.4/km2). There were 1,494 housing units at an average density of 168.5 per square mile (65.1/km). The racial makeup of the city was 48.93% White, 47.83% African-American, 0.08% Native American, 0.99% Asian, 1.10% from other races, and 1.07% from two or more races. Hispanic or Latino of any race were 2.09% of the population.
There were 1,362 households, out of which 32.0% had children under the age of 18 living with them, 44.0% were married couples living together, 22.6% had a female householder with no husband present, and 29.2% were non-families. 25.2% of all households were made up of individuals, and 10.7% had someone living alone who was 65 years of age or older. The average household size was 2.61 and the average family size was 3.11.
In the city, the population was spread out, with 26.1% under the age of 18, 7.4% from 18 to 24, 28.2% from 25 to 44, 22.4% from 45 to 64, and 15.9% who were 65 years of age or older. The median age was 37 years. For every 100 females, there were 84.3 males. For every 100 females age 18 and over, there were 77.9 males.
The median income for a household in the city was $36,055, and the median income for a family was $40,265. Males had a median income of $40,430 versus $21,411 for females. The per capita income for the city was $19,551. About 10.3% of families and 11.6% of the population were below the poverty line, including 14.2% of those under age 18 and 13.3% of those age 65 or over.
Madison is home to a handful of art galleries and museums. The Madison-Morgan Cultural Center (MMCC) provides a regional focus for performing and visual arts, plus permanent exhibits including a historical exhibit of Georgia’s Piedmont region. The center occupies an elegantly restored 1895 Romanesque Revival building and is located in the heart of Madison’s nationally registered historic district. Athens band R.E.M. recorded an MTV Unplugged session at the center in 1991, where they played “Losing My Religion” with the Atlanta Symphony Orchestra.
The Morgan County African American Museum is located in Madison.
Heritage Hall is maintained by the Morgan County Historical Society and has been restored for its architectural and historical significance. The original portion of Heritage Hall was built in 1811, and it received its Greek Revival façade around 1830. The house was a private residence until 1977.
The Madison Artists’ Guild has more than 150 members and is a nonprofit organization dedicated to education and the encouragement of artistic endeavors in its members and the community through planned programs and regular gatherings.
There are five parks in the city limits. Wellington, Gilbert, Lambert, and Hill Park are designated for active play, whereas Town Park is designed for events and public gatherings.
According to a 2017 crime report produced by the city’s planning and development director, property crime rates in Madison are double and triple of nearby Social Circle and Watkinsville, respectively. Violent crime remained steady at a rate of 10 incidents out of a population of 4,034, a rate comparable with Social Circle and Watkinsville. In addition, property crime had decreased in 2016 to a six-year low. The online analytical platform Niche rates Madison’s crime a “C” based on violent and property crime rates.
The Morgan County School District is a charter school system that covers pre-school to grade twelve, and consists of a primary school, an elementary school, a middle school, and a high school.
In 2023 the district has 230 full-time teachers and over 3,200 students. The High School graduation rate is 92%, which is greater than the Georgia average of 85%. Overall rankings for the Morgan County School District versus other school districts in Georgia include:
More detailed statistics for individual schools include:
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Certificate of Insurance
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Insurance Companies Customer Service
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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.