Owner Operator Truck Truck Insurance Stockbridge, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Stockbridge, 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 Stockbridge, 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 Stockbridge, Georgia
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Owner Operator Truck Truck Insurance Stockbridge, Georgia
Owner Operator Truck Truck Insurance Stockbridge, Georgia
Stockbridge is a city in Henry County, Georgia, United States. As of the 2010 census, the population was 25,637, up from 9,853 in 2000.
Stockbridge is part of the Atlanta metropolitan area.
The area was settled in 1829 when Concord Methodist Church was organized near present-day Old Stagecoach Road. It was granted a post office on April 5, 1847, named for a traveling professor, Levi Stockbridge, who passed through the area many times before the post office was built. He was said to be well known and respected in his namesake community. Others contend that the city was named after Thomas Stocks, who was State Surveyor and president of the Georgia State Senate in the 1820s.
In 1881, the East Tennessee, Virginia and Georgia Railroad was to pass through Stockbridge between Macon and Atlanta. The settlers who owned the land about Old Stockbridge asked such a high price for their land that two prominent Atlanta citizens, John W. Grant and George W. Adair, bought a tract about a mile south of Old Stockbridge and offered lots at a reasonable price. Here the railroad built their depot and many lots were sold. The depot was located about 600 feet (180 m) north of what is now North Henry Blvd but was destroyed by the Southern Railway in the early 1980s.
Stockbridge was incorporated as a town in 1895 and as a city on August 6, 1920, turning 100 years old on August 6, 2020.
The Aaron and Margaret Parker Jr. House and Walden-Turner House in Stockbridge are listed on the National Register of Historic Places.
On May 6, 1992, Mayor Segio received a letter from John Stockbridge of South Carolina requesting a letter of “Greeting” from the City of Stockbridge to the attendees of the first reunion of the Stockbridge family. In his letter, he mentioned that he grew up in Georgia and had been told as a child that the city of Stockbridge was named after his great-great-grandfather Levi Stockbridge, who had traveled back and forth from the North to his property in Florida and stopped here on his journey.
Levi Stockbridge was born on March 13, 1820, and fits the time frame just prior to the Civil War. Levi would have been 27 years of age when Stockbridge was assigned a post office in 1847.
Until May 6, 1992, there had never been a name other than Professor Stockbridge. At that time, Levi Stockbridge was mentioned as the person for whom the city may have been named.
It is not certain that Levi Stockbridge was the individual for whom the citizens of the community named their post office and village. However, through John Stockbridge’s letters and many conversations with him, it is believed that this is the rightful Professor Stockbridge who had been unknown for 146 years.
In late 2005 the City of Stockbridge engaged in a controversial preemptive use of eminent domain to buy over 16 acres (65,000 m) of land near the current city hall running along East Atlanta Road. The city reportedly wanted to build a new city hall, park/square, and a small tract of land for new and more desirable business to incorporate a new image for the city. Stockbridge became the focus of national news and was also one of the largest issues in the 2006 Georgia General Assembly and their efforts to prevent abuse of eminent domain.
Many of the citizens of Stockbridge and Henry County were surprised by the apparent abuse of eminent domain by the city. Early in 2006, a protest was organized by the NAACP and supported by the Republican and Libertarian parties from the county. Syndicated Atlanta talk show host Neal Boortz said during his show, “Private property rights are dead in Stockbridge, Georgia,” and called members of the Stockbridge City Council “sorry bastards”.
The Henry County Board of Commissioners took a stance on the issue by unanimously approving a non-binding resolution that the county would not take land for economic development purposes. However, the county legally has no say in what the City of Stockbridge can do with its land and its use of eminent domain. Many have said this was just a political strategy, as Henry County has been shown in recent voting history to be one of the most conservative counties in the Atlanta metro area, consistently voting Republican in early 21st century presidential elections. (However, as the population grew, the county voted Democratic in the 2016 and 2020 elections.)
The conflict between the city and the property owners came to an end on February 2, 2007, as the Georgia Court of Appeals threw out the condemnation. Only one store, a local florist, beat the eminent domain and was allowed to keep its store and property. A brick fence was erected around the florist shop to separate it from the new City Hall.
After February 2007, the city had plans drawn up to build the new city hall. The plans called for the new city hall, park, and green space to be built around the florist’s shop that started the now famous eminent domain lawsuit.
The city said that the new development would strengthen the old and worn-down downtown business district. Stockbridge City Manager Ted Strickland said that the new city hall was absolutely necessary, because some current city employees were working out of closets and supply rooms.
A group of residents in Stockbridge attempted to secede to form their own community called Eagle’s Landing in the 2018 general election. The referendum was defeated.
Stockbridge is located in northwestern Henry County at 33°32′3″N 84°13′52″W / 33.53417°N 84.23111°W (33.534068, -84.231185). Its northwestern border follows the Clayton County line. Some unincorporated areas in Rockdale County have a Stockbridge mailing address, without actually being a part of the City of Stockbridge.
U.S. Route 23 is the main road through the center of the city, leading northwest 20 miles (32 km) to downtown Atlanta and southeast 9 miles (14 km) to McDonough, the Henry County seat. Interstate 75 passes through the southwest side of the city, with access from Exits 222, 224, and 228. I-75 leads northwest to Atlanta and southeast 64 miles (103 km) to Macon. Interstate 675 splits from I-75 in northwestern Stockbridge and provides access to the city from its Exit 1.
According to the United States Census Bureau, Stockbridge has a total area of 13.4 square miles (34.8 km), of which 13.3 square miles (34.5 km2) are land and 0.1 square miles (0.3 km), or 0.97%, are water.
At the 2000 census there were 9,853 people in 3,749 households, including 2,654 families, in the city. The population density was 900.0 inhabitants per square mile (347.5/km). There were 3,991 housing units at an average density of 364.6 per square mile (140.8/km2). The racial makeup of the city was 71.63% White, 20.51% African American, 0.27% Native American, 4.55% Asian, 0.13% Pacific Islander, 1.44% from other races, and 1.46% from two or more races. Hispanic or Latino people of any race were 4.21%.
Of the 3,749 households 39.7% had children under the age of 18 living with them, 51.7% were married couples living together, 14.4% had a female householder with no husband present, and 29.2% were non-families. 22.3% of households were one person and 4.5% were one person aged 65 or older. The average household size was 2.61 and the average family size was 3.06.
The age distribution was 28.3% under the age of 18, 8.8% from 18 to 24, 38.1% from 25 to 44, 18.1% from 45 to 64, and 6.7% 65 or older. The median age was 31 years. For every 100 females, there were 91.4 males. For every 100 females age 18 and over, there were 85.2 males.
The median household income was $48,296 and the median family income was $51,341. Males had a median income of $38,457 versus $28,938 for females. The per capita income for the city was $21,380. 6.8% of the population and 6.0% of families were below the poverty line. 5.9% of those under the age of 18 and 17.1% of
those 65 and older were living below the poverty line.
At the 2010 census, there were 25,636 people, 9,499 households, and 6,536 families in the city. The population density was 1,927.5 inhabitants per square mile (744.2/km2). There were 10,312 housing units at an average density of 775.4 per square mile (299.4/km). The racial makeup of the city was 28.8% white, 55.7% black or African American, 7.6% Asian, 0.3% American Indian, 0.1% Pacific islander, 3.8% from other races, and 3.7% from two or more races. Those of Hispanic or Latino origin made up 9.5% of the population.
Of the 9,499 households, 41.2% had children under the age of 18 living with them, 41.6% were married couples living together, 22.0% had a female householder with no husband present, 31.2% were non-families, and 26.6% of households were made up of individuals. The average household size was 2.70 and the average family size was 3.29. The median age was 33.8 years.
As of the 2020 United States census, there were 28,973 people, 10,244 households, and 7,549 families residing in the city.
The Stockbridge city council has five councilmembers, holding council meetings on the second Monday of each month. As of February 2020, the current mayor of Stockbridge is Anthony S. Ford, whose term expires on December 31, 2021.
Stockbridge is served by the Henry County School District. Schools serving the Stockbridge area include:
Stockbridge is served by the following highways:
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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.