Owner Operator Truck Truck Insurance Rockmart, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Rockmart, 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 Rockmart, 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 Rockmart, Georgia
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Owner Operator Truck Truck Insurance Rockmart, Georgia
Owner Operator Truck Truck Insurance Rockmart, Georgia
Rockmart is a town in Polk County, Georgia, United States. Its population was 4,732 at the 2020 census. It developed as a railroad depot town when the Southern Railway built a station in the area. The community was incorporated in 1872, and was named from abundant deposits of slate in the area. The Rockmart Downtown Historic District is listed on the National Register of Historic Places.
Rockmart is located at 34°00′14″N 85°02′57″W / 34.003952°N 85.049202°W. According to the United States Census Bureau, the city has a total area of 4.4 square miles (11 km2), of which 4.3 square miles (11 km) is land and 0.04 square miles (0.10 km2) (0.69%) is water. Most of the town is in Polk County; parts of it also stretch into Paulding County.
U.S. Route 278, and Georgia State Routes 101 and 113, are the major roads through the town. U.S. 278 runs from west to east as a northern bypass, leading southeast 15 mi (24 km) to Dallas and west 14 mi (23 km) to Cedartown, the Polk County seat. GA-101 runs along the northern bypass of the town with U.S. 278, leading north 20 mi (32 km) to Rome and southeast 8 mi (13 km) to Yorkville (concurrent with GA-113). GA-113 also follows U.S. 278/GA-101 along the northern bypass of the town, leading northeast 19 mi (31 km) to Cartersville and southeast to Yorkville (concurrent with GA-101).
As of the 2020 United States census, there were 4,732 people, 1,557 households, and 1,131 families residing in the city.
Beginning in the mid-1990s, Rockmart experienced a period of economic expansion. Growth in the form of new restaurants and casual dining, as well as retail shopping, came about as residential building increased. A Walmart Supercenter store was opened in the city in 2007.
The Drama Department at Rockmart High School is known for its involvement with the community and every spring the advanced acting class performs at a GHSA One-act play competition. When the new Rockmart High School was constructed, performance space was not included. Instead, the Rockmart Thespians use the historic Rockmart Art Center Theatre for their productions. The department has produced many theatrical feats such as “Seussical,” “Grease (musical),” and most recently “Hairspray (musical).” In October 2008, the Rockmart High School Thespians placed first at the Region AA One Act Competition with their performance of Godspell, as well as receiving the Best Actor award. The RHS Thespians then took the show to the State AA One Act Competition and placed 3rd out of four schools. In 2013, Rockmart Thespians placed first in the State AAA One Act Competition with a riveting production of the thriller When You Comin’ Back, Red Ryder?.
Another important addition to the performing arts in Rockmart is the Rockmart High Marching Yellow Jacket band. The band won a best in show at the 2006 and 2008 Golden River Marching Festival. In those competitions, both band and auxiliary sections (such as the drumline, tubas, colorguard and danceline) were regarded as being among the best in Northwest Georgia. RHS host the annual Yellow Jacket Classic band competition every year, and is well attended by bands all over the state.
The movie Irresistible produced by Jon Stewart was filmed in the Seaborn Jones Park, historic downtown Rockmart, and Rockmart Middle School. Downtown Rockmart was the location of the fictional Deerlaken, Wisconsin.
Parks and recreation areas in Rockmart include the Nathan Dean Complex, the Silver Comet Trail & Riverwalk Park, as well as Rockmart City Parks.
Rockmart operates under a council-manager form of government. The city is divided into five council wards, each electing one member to the council. The city’s mayor serves as chairman of the council, and is its sixth member. The mayor and council, together, appoint the city manager. Other appointed positions include the city clerk, city attorney, city auditor, and city court judge.
The city of Rockmart is a part of the Polk County School District. It has one high school, Rockmart High School; one middle school, Rockmart Middle School; and two elementary schools, Eastside Elementary and Van Wert Elementary. Rockmart High School is the only high school in the city of Rockmart and serves the Aragon community as well. As of the 2011/12 school year, the school had an enrollment of 837 students and 50.10 classroom teachers (on an FTE basis), for a student-teacher ratio of 16.71.
In 1912, the Georgia Legislature created the public school system in the state of Georgia. That year, the city of Rockmart began the Rockmart School System in the building vacated by the Piedmont Institution (established in 1889 by the Methodist North Georgia Annual Conference). It had closed after a 23-year existence in 1912, after it was purchased by the Rockmart School Board of trustees. Rockmart High School was in the building until it burned down in 1915. The building was later rebuilt until the building burned down again in 1940. The current lot is now the Rockmart Governmental Complex. Prior to the Polk County School System of Georgia, RHS had its own city school system and rival school Cedartown High School also had its own city school system in Cedartown.
The Polk County campus of Georgia Northwestern Technical College is also located in Rockmart.
Prior to the racial integration of the Polk County School System, two high schools existed in Rockmart—Rockmart High School and Elm Street High School—which served the African American community of Rockmart. The integration of the school system began in the year 1964 when some African American students began attending Rockmart High School until total integration was achieved in 1965 with the closing of Elm Street High School.
The Southern Railway had two Mid-West to Florida named trains, Ponce de Leon and Royal Palm that made stops in the town into the 1960s. The Seaboard Air Line Railroad, had the Silver Comet, which made a stop in Rockmart on all trips between Atlanta and Birmingham. The Passenger and Mail #5 and #6 made stops in Rockmart, until it was cancelled in 1968. The Silver Comet continued on the merged Seaboard Coast Line, which discontinued the train on May 30, 1969.
U.S. Route 278 and Georgia State Route 6 run through the town.
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.
