Owner Operator Truck Truck Insurance McDonough, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance McDonough, 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.
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Owner Operator Truck Truck Insurance McDonough, 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 McDonough, Georgia
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Owner Operator Truck Truck Insurance McDonough, Georgia
Owner Operator Truck Truck Insurance McDonough, Georgia
McDonough is a city in Henry County, Georgia, United States. It is part of the Atlanta metropolitan area. Its population was 22,084 at the 2010 census, up from 8,493 in 2000. The city is the county seat of Henry County. The unincorporated communities of Blacksville, Flippen, Kelleytown, and Ola are located near McDonough, and addresses in those communities have McDonough ZIP Codes.
The town was named for naval officer Commodore Thomas Macdonough and founded in 1823 around a traditional town square design. The buildings surrounding the square are intact, although there are some vacancies. The county courthouse and historic jail building are on the north side near the Welcome Center in a historically maintained Standard Oil service station, built in 1920. The station also houses the Main Street Program Office and Hospitality and Tourism Office.
One block east of the square, the town’s original cotton warehouse has been replaced with the Henry County Judicial Center. In the same area the Henry County Courthouse Annex has an original oil on canvas “Cotton Gin” (4+1⁄2 by 11 feet) by artist Jean Charlot. He painted this oil in 1942 for the town post office. His works can be found all over the world in everything from children’s books to large murals.
The town was a relay station on the New York City to New Orleans stagecoach line and was connected by other stage lines with Fayetteville and Decatur, and with Macon by way of Jackson.
McDonough is in central Henry County, 28 miles (45 km) southeast of downtown Atlanta. U.S. Route 23 passes through the center of the city, leading northwest 9 miles (14 km) to Stockbridge and south 7 miles (11 km) to Locust Grove. Interstate 75 passes through the southwestern arm of the city, with access from Exits 216, 218, and 221. I-75 leads northwest to Atlanta and southeast 56 miles (90 km) to Macon.
According to the United States Census Bureau, the city has a total area of 12.9 square miles (33.4 km), of which 12.7 square miles (32.9 km2) are land and 0.2 square miles (0.5 km), or 1.50%, are water.
At the 2000 census, there were 8,493 people, 3,069 households and 2,102 families living in the city. The population density was 1,093.8 inhabitants per square mile (422.3/km2). There were 3,234 housing units at an average density of 416.5/sq mi (160.8/km). The racial makeup of the city was 61.4% white, 34.3% African American, 0.2% Native American, 1.4% Asian, 1.8% from other races, and 1% from two or more races. Hispanic or Latino residents of any race were 3.7% of the population.
There were 3,069 households, of which 35.7% had children under the age of 18 living with them, 45.2% were married couples living together, 18.8% had a female householder with no husband present, and 31.5% were non-families. 25.4% of all households were made up of individuals, and 8.0% 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 3.14.
26.4% of the population were under the age of 18, 10.6% from 18 to 24, 34.1% from 25 to 44, 16.8% from 45 to 64, and 12.1% who were 65 years of age or older. The median age was 31 years. For every 100 females, there were 90.3 males. For every 100 females age 18 and over, there were 86.1 males.
The median household income was $40,482 and the median family income was $46,818. Males had a median income of $34,669 versus $28,318 for females. The per capita income for the city was $19,029. About 9.6% of families and 12.8% of the population were below the poverty line, including 13.3% of those under age 18 and 18.3% of those age 65 or over.
Although it is considered to be located in Stockbridge many of the Eagle’s Landing Country Club’s homes are within McDonough’s 30253 zip code.
As of the 2010 United States Census, there were 22,084 people, 8,053 households, and 5,404 families living in the city. The population density was 1,737.4 inhabitants per square mile (670.8/km2). There were 9,063 housing units at an average density of 713.6 per square mile (275.5/km). The racial makeup of the city was 34.8% white, 58.2% black or African American, 1.8% Asian, 0.3% American Indian, 0.1% Pacific islander, 2.2% from other races, and 2.6% from two or more races. Those of Hispanic or Latino origin made up 6.1% of the population.
Of the 8,053 households, 38.8% had children under the age of 18 living with them, 38.3% were married couples living together, 23.3% had a female householder with no husband present, 32.9% were non-families, and 28.1% of all households were made up of individuals. The average household size was 2.64 and the average family size was 3.25. The median age was 33.1 years.
As of the 2020 United States census, there were 29,051 people, 8,543 households, and 5,778 families residing in the city.
Snapper Inc. manufacturing residential and professional lawn care and snow removal equipment, was based in McDonough. The company began in 1894 as Southern Saw Works, and claims to have invented the first self-propelled rotary lawn mower. The company was sold to Briggs and Stratton, which operated the plant until its closure in 2015.
Goya Foods has its Atlanta offices in an unincorporated area near McDonough.
Several individual buildings and two historic districts in the city are listed on the National Register of Historic Places, including the downtown McDonough Historic District.
The city hosts a Geranium Festival each springtime on the third Saturday in May, celebrating the locally grown flowers and community. The one-day festival serves as a showcase of local artistry and talent through the open-air craft markets and live musical performances. The festival is sponsored by the McDonough Lions Club, and held on the McDonough Square. 2023 marks the 45th anniversary of the festival.
The city’s semi-professional soccer team Georgia Revolution FC plays in the National Premier Soccer League at the Warhawk Stadium.
WWE developmental territory Deep South Wrestling was based in McDonough.
The Henry County School District holds grades pre-school to grade twelve. The district has twenty eight elementary schools, nine middle schools, and ten high schools. The district has 1,543 full-time teachers and over 40,000 students.
WKKP is the local radio station, broadcasting on 100.9 FM and 1410 AM; it has a classic country format.
The Henry Herald is the local county news print media.
Xpress GA provides local bus service.
McDonough is served by the following highways:
Until the mid-1960s the Southern Railway operated the Cincinnati to Miami Ponce de Leon, which made stops in McDonough.
“The McDonough Road” is mentioned by Rhett Butler in the 1939 film, Gone with the Wind.
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.