Owner Operator Trucking Insurance North Druid Hills, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Trucking Insurance North Druid Hills, 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.
We are here to answer your questions with fast and friendly service.
Owner Operator Trucking Insurance North Druid Hills, 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 North Druid Hills, Georgia
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Owner Operator Trucking Insurance North Druid Hills, Georgia
Owner Operator Trucking Insurance North Druid Hills, Georgia
North Druid Hills, also known as Briarcliff or Toco Hills, is an unincorporated community and census-designated place (North Druid Hills CDP) in DeKalb County, Georgia, United States. The population was 18,947 at the 2010 census. The commercial center of the area is the Toco Hill Shopping Center, located near the intersection of North Druid Hills Road and LaVista Road.
North Druid Hills is located at 33°49′11″N 84°19′41″W / 33.819654°N 84.328061°W.
According to the United States Census Bureau, the CDP has a total area of 5.0 square miles (13 km), of which 0.20% is water. The CDP boundaries are:
Toco Hills is a large commercial and residential neighborhood in the eastern portion of the North Druid Hills CDP. The commercial component consists of two major shopping centers that are located at the intersection of LaVista and North Druid Hills roads that were developed in the 1950s. While it is generally accepted that the name “Toco Hills” is derived from the Toco Hill shopping center, the origin of that name is disputed. Some sources claim that the developer chose the name Toco because it was the Brazilian Indian word for “good luck.” Other sources claim Toco is an informal abbreviation of “top of the County.” In any case, the shopping center was developed on what was a hill, and the name gradually changed to “Toco Hills.” The area is home to a large Orthodox Jewish population, and marked by wooded subdivisions featuring mostly ranch homes surrounding the commercial area.
As of the 2020 United States census, there were 20,385 people, 8,672 households, and 3,215 families residing in the CDP.
As of the census of 2000, there were 18,852 people, 9,760 households, and 3,074 families residing in the CDP. Population density was 3,790.0 people per square mile (1,464.5/km2). There were 10,240 housing units at an average density of 2,058.7 per square mile (794.9/km). CDP ethnic makeup was 82.50% White, 7.30% African American, 0.15% Native American, 4.32% Hispanic or Latino (any race), 6.73% Asian, 0.03% Pacific Islander, 1.44% from other races, and 1.85% from two or more races.
There were 9,760 households, of which 10.0% had children under age 18 living with them, 24.9% were married couples living together, 4.4% had a female householder with no husband present, and 68.5% were non-families. 45.5% of all households were made up of individuals, and 10.6% had someone living alone who was 65 years of age or older. Average household size was 1.84 and average family size was 2.67.
CDP population had 9.9% under age 18, 16.6% from 18 to 24, 40.8% from 25 to 44, 16.1% from 45 to 64, and 16.7% who were age 65 or over. Median age was 33 years. For every 100 females, there were 92.7 males. For every 100 females age 18 or over, there were 92.3 males.
CDP household median income was $48,530, and family median income was $67,956 (these figures rose to $53,028 and $84,248 respectively as of a 2007 estimate). Males had a median income of $45,313 versus $37,327 for females. CDP per capita income was $33,288. About 4.9% of families and 13.7% of the population were below the poverty line, including 9.3% of those under age 18 and 8.4% of those age 65 or over.
One of the earliest European settlers in north DeKalb County was Chapman Powell, whose “Medicine House” cabin was built near the intersection of Clairmont and North Decatur roads (later relocated to Stone Mountain Park, where it still stands). Dr. Powell (1798–1870) owned most of the land in the Candler Lake and South Fork Peachtree Creek area during his lifetime. His land was later purchased by Walter Candler.
Major Washington Jackson Houston owned land on the north side of the South Fork of Peachtree Creek, in what is now Briarcliff. Visitors used to visit Major Houston to buy ground cornmeal produced by his 1876 gristmill or to attend social gatherings held on his property. Major Houston converted the mill into an early hydroelectric plant circa 1900. Atlanta contractor Harry J. Carr bought Houston’s land in the 1920s and constructed the fieldstone and wrought iron home now known as the Houston Mill House. Emory University purchased the home in the 1960s and renovated it. Houston Mill House, located at 849 Houston Mill Road, is now open for dining and special events.
After World War II and continuing into the 1950s, many Jews moved out of Washington-Rawson, where Turner Field now stands, and the Old Fourth Ward into North Druid Hills and Morningside/Lenox Park. Congregation Beth Jacob, an orthodox synagogue, moved to LaVista Road in 1962, and the neighborhood has since become a hub of Orthodox Judaism for the Atlanta area with three Jewish schools, six congregations and a mikveh located along or near LaVista Road.
The North Druid Hills CDP remained rural until 1965, when Executive Park was constructed on a former dairy farm as the first suburban office park in metropolitan Atlanta. Following the completion of Executive Park, the area boomed with suburban development. The 19-story Executive Park Motor Hotel, built in the 1970s at the southeast corner of I-85 and North Druid Hills Road and which later served as a BellSouth training center, was a modernist landmark until its demolition in November 2014 after being purchased by Children’s Healthcare of Atlanta for $9.6 million in January 2013.
The United States Postal Service operates the Druid Hills Post Office at 1799 Briarcliff Road NE in the CDP. The area uses an Atlanta, GA city designation for mailing purposes.
Following the incorporation of Brookhaven in 2012, the idea of incorporating a city of Briarcliff was proposed by a civic group known as the North Druid Hills Study Group. Supporters cited more local control as reasons in favor of cityhood, while those against cityhood cited the lack of an identity, center, and boundaries as reasons against. The city of Briarcliff boundaries would be:
In March 2014 after failure of the first initiative the City of Briarcliff Initiative, Inc. announced plans for a second attempt at cityhood, which it dubbed “Briarcliff 2.0”.
The Consulate-General of Mexico in Atlanta is in the North Druid Hills CDP.
DeKalb County Schools serves the CDP. Briar Vista Elementary School, the zoned school of most of North Druid Hills, is in the CDP. Some portions are served by Sagamore Hills Elementary School. Residents in North Druid Hills are also zoned to Druid Hills Middle School (in North Decatur CDP) and Druid Hills High School (in Druid Hills CDP).
The Margaret Harris Comprehensive School, an alternative K-12 county school for disabled children, is in North Druid Hills.
Parochial schools:
The Roman Catholic Archdiocese of Atlanta operates the Immaculate Heart of Mary School, a parochial school, at 2855 Briarcliff Road in the CDP. The school initially had 238 pupils when it opened in August 1958. An addition was installed in circa the late 1960s/early 1970s.
Private schools:
The Southern Association of Colleges and Schools Commission on Colleges is headquartered in North Druid Hills.
The Greek Orthodox Archdiocese of America Metropolis of Atlanta is headquartered in North Druid Hills.
Choose the Right Agent
When choosing the agent, you want to represent you to the insurance companies. Pick an agent that is trained in commercial truck insurance. And make sure the agent you choose to work with is there when you need them. Our agents are trained in commercial truck insurance and are easy to contact. Email, phone call or text message. We respond quickly to our clients.
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.