Owner Operator Truck Truck Insurance Milledgeville, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Milledgeville, 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 Milledgeville, 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 Milledgeville, Georgia
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Owner Operator Truck Truck Insurance Milledgeville, Georgia
Owner Operator Truck Truck Insurance Milledgeville, Georgia
Milledgeville is a city in and the county seat of Baldwin County in the U.S. state of Georgia. It is northeast of Macon and bordered on the east by the Oconee River. The rapid current of the river here made this an attractive location to build a city. It was the capital of Georgia from 1804 to 1868, including during the American Civil War. Milledgeville was preceded as the capital city by Louisville and was succeeded by Atlanta, the current capital. Today U.S. Highway 441 connects Milledgeville to Madison, Athens, and Dublin.
As of April 1, 2020, the population of Milledgeville was 17,070 down from 17,715 at the 2010 US Census.
Milledgeville is along the route of the Fall Line Freeway, which is under construction to link Milledgeville with Augusta, Macon, Columbus, and other Fall Line cities. They have long histories from the colonial era of Georgia.
Milledgeville is the principal city of the Milledgeville Micropolitan Statistical Area, a micropolitan area that includes Baldwin and Hancock counties. It had a combined population of 52,534 at the 2020 census. The Old State Capitol is located here; it was added to the National Register of Historic Places (NRHP). Much of the original city is contained within the boundaries of the Milledgeville Historic District, which was also added to the NRHP.
Milledgeville, named after Georgia governor John Milledge (in office 1802–1806), was founded by European Americans at the start of the 19th century as the new centrally located capital of the state of Georgia. It served as the state capital from 1804 to 1868.
In 1803 an act of the Georgia legislature called for the establishment and survey of a town to be named in honor of the current governor, John Milledge. The Treaty of Fort Wilkinson (1802) had recently forced Native American tribes to cede territory immediately west of the Oconee River. The white population of Georgia continued to press west and south in search of new farmland. The town of Milledgeville was developed in an area that had long been occupied by indigenous peoples.
In December 1804 the state legislature declared Milledgeville the new capital of Georgia. The new planned town, modeled after Savannah and Washington, D.C., stood on the edge of the frontier at the Atlantic fall line, where the Upper Coastal Plain meets the foothills and plateau of the Piedmont. The area was surveyed, and a town plat of 500 acres (2.0 km) was divided into 84 4-acre (16,000 m2) squares. The survey also included four public squares of 20 acres (81,000 m) each.
After 1815 Milledgeville became increasingly prosperous and more respectable. Wealth and power gravitated toward the capital. Much of the surrounding countryside was developed by slave labor for cotton plantations, which was the major commodity crop of the South. Cotton bales regularly were set up to line the roads, waiting to be shipped downriver to Darien.
Public-spirited citizens such as Tomlinson Fort (mayor of Milledgeville, 1847–1848) promoted better newspapers, learning academies, and banks. In 1837-1842 the Georgia Lunatic Asylum (later the Central State Hospital) was built here. Oglethorpe University, where the poet Sidney Lanier was later educated, opened its doors in 1838. (The college, forced to close in 1862 during the war, was rechartered in 1913. It moved its campus to Atlanta.)
The cotton boom in this upland area significantly increased the demand for slave labor. The town market, where slave auctions took place, was located on Capital Square, next to the Presbyterian church. Skilled black carpenters, masons, and laborers were forced to construct most of the handsome antebellum structures in Milledgeville.
Two events epitomized Milledgeville’s status as the political and social center of Georgia in this period:
By 1854 Baldwin County had a total population of 8,148, of whom 3,566 were free (mostly white), and 4,602 were African American slaves.
On January 19, 1861, Georgia convention delegates passed the Ordinance of Secession, and on February 4, 1861, the “Republic of Georgia” joined the Confederate States of America. In November 1864, Union General William T. Sherman and 30,000 Union troops marched into Milledgeville during his March to the Sea. Governor Joseph E. Brown had already packed up the rugs and curtains from the Governor’s Mansion, and fled town with other political and military leaders, leaving the public unprotected. Sherman largely spared the town destruction, though burned some buildings with military uses. Sherman’s troops are claimed to have poured sorghum and molasses down the pipes of the organ at St. Stephen’s Episcopal Church; the organ was replaced by New York Life Insurance Company.
In 1868, during Reconstruction, the state legislature moved the capital to Atlanta—a city emerging as the symbol of the New South as surely as Milledgeville symbolized the Old South.
Milledgeville struggled to survive as a city after losing the business of the capital. The energetic efforts of local leaders established the Middle Georgia Military and Agricultural College (later Georgia Military College) in 1879 on Statehouse Square. Where the crumbling remains of the old penitentiary stood, Georgia Normal and Industrial College (later Georgia College & State University) was founded in 1889. In part because of these institutions, as well as Central State Hospital, Milledgeville developed as a less provincial town than many of its neighbors.
In the 1950s the Georgia Power Company completed a dam at Furman Shoals on the Oconee River, about 5 miles (8 km) north of town, creating a huge reservoir called Lake Sinclair. The lake community became an increasingly important part of the town’s social and economic identity.
In the 1980s and 1990s Milledgeville began to capitalize on its heritage by revitalizing the downtown and historic district. It encouraged restoration of historic buildings and an urban design scheme on Main Street to emphasize its character.
By 2000 the population of Milledgeville and Baldwin County combined had grown to 44,700. Community leaders have made concerted efforts to create a more diversified economic base, striving to wean the old capital from its dependence on government institutions such as Central State Hospital and state prisons. The state has recently closed some prisons and reduced jobs at Central State, due to tightening state budgets.
Milledgeville is located at 33°5′16″N 83°14′0″W / 33.08778°N 83.23333°W (33.087755, -83.233401) and is 301 feet (92 m) above sea level.
According to the United States Census Bureau, the city has a total area of 20.6 square miles (53.3 km), of which 20.4 square miles (52.9 km2) is land and 0.15 square miles (0.4 km), or 0.74%, is water.
U.S. Route 441 is the main route through the city, leading north 21 mi (34 km) to Eatonton and south 22 mi (35 km) to Irwinton. Georgia State Routes 22, 24, and 49 also run through the city as well. GA-22 leads northeast 24 mi (39 km) to Sparta and southwest 20 mi (32 km) to Gray. GA-24 leads east 29 mi (47 km) to Sandersville and north to Eatonton with U.S. 441. GA-49 leads southwest 30 mi (48 km) to Macon.
Milledgeville is located on the Atlantic Seaboard fall line of the United States. The Oconee River flows a half mile east of downtown on its way south to the Altamaha River and then south to the Atlantic Ocean. Lake Sinclair, a man-made lake, is about 5 miles (8 km) northeast of Milledgeville on the border of Baldwin, Putnam and Hancock counties.
Milledgeville is composed of two main districts: a heavily commercialized area along the highway known to locals simply as “441,” extending from a few blocks north of Georgia College & State University to 4 miles (6 km) north of Milledgeville, and the “Downtown” area, encompassing the college, buildings housing city government agencies, various bars and restaurants. This historic area was laid out in 1803, with streets named after other counties in Georgia.
As of the 2020 United States census, there were 17,070 people, 5,895 households, and 2,852 families residing in the city.
The population of the town of Milledgeville was 17,715 at the 2010 census.
As of the census of 2000, there were 18,757 people, 4,755 households, and 2,643 families residing in the city, although a 2005 study estimates there to be a population of 19,397. The population density was 938.8 inhabitants per square mile (362.5/km2). There were 5,356 housing units at an average density of 268.1 per square mile (103.5/km). The racial makeup of the city was 49.94% White, 47.68% African American, 0.13% Native American, 1.55% Asian, 0.01% Pacific Islander, 0.20% from other races, and 0.50% from two or more races. Hispanic or Latino people of any race were 1.23% of the population.
There were 4,755 households, out of which 25.9% had children under the age of 18 living with them, 33.6% were married couples living together, 18.7% had a female householder with no husband present, and 44.4% were non-families. 31.7% 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 2.35 and the average family size was 3.04.
In the city, the population was spread out, with 16.0% under the age of 18, 20.9% from 18 to 24, 32.3% from 25 to 44, 19.6% from 45 to 64, and 11.2% who were 65 years of age or older. The median age was 33 years. For every 100 females, there were 166.0 males. For every 100 females aged 18 and over, there were 173.2 males.
The median income for a household in the city was $30,484, and the median income for a family was $44,683. Males had a median income of $30,794 versus $23,719 for females. The per capita income for the city was $12,782. About 14.8% of families and 24.0% of the population were below the poverty line, including 28.8% of those under age 18 and 16.3% of those age 65 or over.
The Milledgeville City Council is the city’s legislative body, with the power to enact all ordinances and resolutions and controls the funding of all designated programs. Six council members are elected to represent their district, while the mayor is elected at-large, by city voters, for a four-year term.
City Council meetings are held on the second and fourth Tuesday of the month. Meetings are open to the public and televised locally on MBC TV-4 Milledgeville/Baldwin County Governmental/Educational Access Cable Channel on local Charter Communications.
In the November 2017 general election, incumbent Mayor Gary Thrower was defeated by Mary Parham-Copelan. She was sworn in as the city’s first African American female mayor on December 29, 2017.
Elected officials as of October 2023:
Milledgeville’s public school system is governed by the Baldwin County School District.
Milledgeville’s public library system is part of the Twin Lakes Library System. Mary Vinson Memorial Library is located downtown. Georgia College & State University also has a library.
The school system building facilities were revamped during the 1990s and first decade of the 21st century, with all new buildings, including a new Board of Education office. This required relocation and merging of older schools. The concept of a middle school was introduced, whereas previously 6th through 9th grades were housed in separate schools. Closed older schools include:
Choose the Right Agent
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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.