Owner Operator Truck Truck Insurance Sunbury, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Truck Truck Insurance Sunbury, 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 Sunbury, 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 Sunbury, Georgia
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Owner Operator Truck Truck Insurance Sunbury, Georgia
Owner Operator Truck Truck Insurance Sunbury, Georgia
Sunbury is a ghost town in Liberty County, Georgia. Established in 1758, the town was mostly abandoned by the mid-1800s.
The town is located on the south bank of the Midway River, in an area that was first settled by Europeans in the 1750s. The town was established in 1758 and quickly became an important seaport for the Province of Georgia after becoming a port of entry in the 1760s, rivaling the nearby port city of Savannah. During the American Revolutionary War, the town was defended by American troops stationed at Fort Morris. However, the town and fort were captured by the British in 1779, who burned the town near the war’s end. Following the war, the town was economically devastated and struggled to recover. In the 1790s, the town lost its status as county seat and was later affected by an outbreak of yellow fever and two damaging hurricanes. What remained of the town in the mid-1800s was destroyed in 1864 as part of Sherman’s March to the Sea during the American Civil War.
The area that would become the town of Sunbury was first settled by Europeans in 1752 by the families of Benjamin and Samuel Baker, from the British Province of South Carolina. The site was on the south bank of the Midway River,[note 1] in what was at the time the Province of Georgia, on a bluff several miles upriver from St. Catherine’s Sound. In 1757, 500 acres (200 ha) of this area was conveyed by King George II of Great Britain to Mark Carr, a wealthy military officer. Carr sold some land lots to other people, and soon several wharves on the river and a trading post were established.
On June 20, 1758, Mark Carr and several other men from the area agreed to establish a town on Carr’s land.[note 2] Carr oversaw much of the planning for this new town, including the town’s layout, the architectural style that would be used for the buildings, and the cost for each land lot. Each of the 496 lots would measure 70 feet (21 m) by 130 feet (40 m) and would surround three town squares, similar in layout to Savannah, Georgia, which had a unique system of squares. These three squares were named King’s Square, Meeting Square, and Church Square. Additionally, buildings built in the town were constructed of wood and tabby concrete. At the time, it was the first and only town in Saint John’s Parish, which consisted of all of present-day Liberty County, Georgia. The parish contained one other settlement within its boundaries, Midway, which had been founded by New England Puritans around 1752. Prior to their move to Georgia, these Congregationalists had lived in Dorchester, South Carolina. Within several years of their settlement, they were having a sizeable impact on the economy of Georgia, primarily farming rice.
The new town was named Sunbury, most likely after Carr’s ancestral English home of Sunbury-on-Thames. Variant names for the town included “Sunbery” and “Sunbury Landing”, and the harbor that separated Sunbury from a nearby small island was known as the Sunbury Channel. Additionally, a small tidal stream located several miles from the settlement is known as Sunbury Creek.
Around the time of its establishment, the town had five wharves operated by local merchant companies, which purchased goods from Savannah and transported them to the town via sloops. In 1761,[note 3] the town became Georgia’s second port of entry and quickly rose in prominence, soon rivalling Savannah in terms of economic importance. Discussing the town in a 1763 letter to Lord Halifax, James Wright, the governor of Georgia, wrote the following:
The town had a shipyard, a manufacturing center that produced shingles and staves, and a causeway connecting it to nearby Colonels Island, which served as an important center for Indigo dye production in the region before the market crashed in 1808. This causeway was repaired annually in the fall by slaves who had been requisitioned by the local government. Additionally, the town and island had a sizeable lumber industry, exporting wood to other ports throughout the West Indies. The area attracted a large number of immigrants, including a sizeable number of people from Bermuda. At one point, a canal was considered that would have connected the Midway River and Newport River through the area separating Colonels Island from the mainland in order to make it easier for plantations in the area to transport their rice crops to Sunbury. However, this never came to fruition, and instead planters further inland created a plan to bridge the Newport River near its source in order to directly transport their rice yields to Savannah. While Sunbury was opposed to this plan, fearing it would hurt their port’s economy, the bridge was constructed, with a settlement emerging around the bridge known as Riceboro. In 1772, 56 ships were recorded as having accessed the port, and on at least one occasion, slaves from Africa were brought and sold at one of the wharves. Many planters who owned plantations in the area had houses in Sunbury in which they lived during the summer and fall seasons, typically arriving in June and leaving in November. In 1773, the naturalist William Bartram wrote about a visit he had to the town, describing it as “beautifully situated on the main” with a “capacious and safe” harbor that had “water enough for ships of great burthen”.
The town of Sunbury was a hotbed of pro-American sentiment in Georgia during the American Revolution. Lyman Hall, a future signer of the United States Declaration of Independence and governor of Georgia, lived in Sunbury, while Button Gwinnett, another signer, conducted his business in the town as Saint John’s Parish’s justice. Gwinnett also owned a large plantation on the nearby St. Catherine’s Island. In June 1775, British customs officers seized a ship in Sunbury’s port that was carrying illegal cargo, but the ship was freed after a group of local people met at the town’s liberty pole and intimidated the officials.
The town was protected by the nearby Fort Morris, which had been constructed in 1756 to protect the European settlers from Creek Indians. During the American Revolutionary War, Colonel John McIntosh replied to a British order to surrender the fort with the slogan, “Come and take it”. However, in 1779, the fort and town were both captured by British forces, who maintained control over the surrounding area for the duration of the war. The fort was one of the last strongholds against the British during the war, which the British later renamed Fort George and, later, Fort Defense. During this occupation, George Walton, another signer of the Declaration of Independence, was held as a prisoner of war before eventually being paroled. Around 1781, the town had about 1,000 residents and numerous businesses occupying 300 acres (120 ha) next to the river. However, during the British evacuation near the war’s conclusion, the town and the fort were both burned by the troops.
Following the war, in 1784, Sunbury became the first county seat for Liberty County. In February 1788, the Sunbury Academy was authorized and established several years later in 1793. The school, located in King’s Square, operated for about the next 40 years and was considered one of the most famous schools in the southern part of the state. It was headed by The Reverend Dr. William McWhir, who was a friend of George Washington. The town was officially incorporated on December 8, 1791, during a time when other cities in Georgia, such as Augusta and Brunswick were also gaining self-government. In 1792, Sunbury Road was laid out, which made it easier for farmers in the area to transport their crops to the port. The road connected Sunbury to Greensboro, Georgia, and was the longest vehicular route established in the state following the Revolutionary War. In 1793, a post office was established in the town. However, in the late 1790s, the county seat was transferred to Riceboro.[note 4] In 1804, the town was hit by a strong hurricane, and by the early 1800s, it had lost much of its trade to Savannah.
During the War of 1812, British warships were stationed off of the coast of Georgia, which disrupted trade and hurt the economies of port cities such as Sunbury. To combat this, the United States Navy launched a naval expedition to Sunbury, with the plan to use the port’s deep harbor as a staging area for gunboats that would patrol the Intracoastal Waterway. However, this plan ended in failure due to logistical issues and a lack of resources. As a result of this failure, the state decided to instead reinforce its existing coastal fortifications, including Fort Morris, which was rebuilt with the new name of Fort Defiance. This construction was performed in mid-1813. By the end of the war in 1815, the town, like several other coastal settlements in the state, had suffered a significant economic decline due to the blockade.
The town’s destruction by the British seriously damaged its economic importance, as it left the town in ruins and impoverished. The town was later affected by an outbreak of yellow fever and hit by two major hurricanes, which further exacerbated its decline. On December 8, 1841, the town’s post office ceased operations, and by 1848, the town was more-or-less abandoned. What remained of the town was ultimately destroyed in 1864 during the American Civil War as part of Sherman’s March to the Sea, arriving in the area that December. Today, the Sunbury Cemetery is one of the only remaining structures from the town’s history. In 1957, the Georgia Historical Commission erected a Georgia historical marker for “Sunbury and Fort Morris” about 11 miles (18 km) west of the ghost town in Midway.
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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.