Owner Operator Trucking Insurance Mount Vernon, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Trucking Insurance Mount Vernon, 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 Trucking Insurance Mount Vernon, 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 Trucking Insurance Mount Vernon, Georgia
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Owner Operator Trucking Insurance Mount Vernon, Georgia
Owner Operator Trucking Insurance Mount Vernon, Georgia
Mount Vernon is a city in, and the county seat of, Montgomery County, Georgia, United States. The population was 1,900 at the 2020 census, down from 2,451 in 2010. It is home to Brewton–Parker College.
Mount Vernon was founded in 1797. It became the county seat in 1813, replacing the plantation of Arthur Lott. It was incorporated as a town in 1872 and as a city in 1960. The city is named after Mount Vernon, the estate of George Washington.
Mount Vernon is located on the west side of Montgomery County at 32°10′53″N 82°35′38″W / 32.18139°N 82.59389°W (32.181403, -82.593759). It sits on high ground 1 mile (1.6 km) east of the Oconee River, which forms the Wheeler County line. It is bordered to the east by Ailey.
U.S. Routes 221 and 280 intersect just north of the center of town. US 221 leads north 14 miles (23 km) to Soperton and south 25 miles (40 km) to Hazlehurst, while US 280 leads east 11 miles (18 km) to Vidalia and west 21 miles (34 km) to McRae–Helena.
According to the United States Census Bureau, Mount Vernon has a total area of 4.2 square miles (11 km), of which 0.03 square miles (0.08 km2), or 0.76%, are water.
Mount Vernon is part of the Vidalia Micropolitan Statistical Area.
As of the 2020 United States census, there were 1,990 people, 841 households, and 554 families residing in the city.
As of the census of 2000, there were 2,082 people, 704 households, and 461 families residing in the city. The population density was 505.4 inhabitants per square mile (195.1/km2). There were 840 housing units at an average density of 203.9 per square mile (78.7/km). The racial makeup of the city was
There were 704 households, out of which 35.9% had children under the age of 18 living with them, 42.5% were married couples living together, 19.9% had a female householder with no husband present, and 34.4% were non-families. 28.4% of all households were made up of individuals, and 9.8% had someone living alone who was 65 years of age or older. The average household size was 2.56 and the average family size was 3.19.
In the city, the population was spread out, with 26.4% under the age of 18, 22.0% from 18 to 24, 25.9% from 25 to 44, 16.9% from 45 to 64, and 8.9% who were 65 years of age or older. The median age was 26 years. For every 100 females, there were 88.1 males. For every 100 females age 18 and over, there were 82.9 males.
The median income for a household in the city was $26,466, and the median income for a family was $33,750. Males had a median income of $27,112 versus $19,766 for females. The per capita income for the city was $11,509. About 18.3% of families and 23.5% of the population were below the poverty line, including 24.5% of those under age 18 and 22.3% of those age 65 or over.
Brewton–Parker College is a private, Christian, coeducational college whose main campus is located in Mount Vernon.
The Montgomery County School District holds grades pre-school to grade twelve, and consists of one elementary school, a middle school, and a high school. The district has 83 full-time teachers and over 1,294 students.
Montgomery County High School didn’t have an integrated prom until 2010. The school received national attention in the New York Times for unofficially sponsoring separate, segregated proms for white and black students. It is one of 178 school districts in the United States with an open, active desegregation order.
