Owner Operator Trucking Insurance Rincon, Georgia
New Authority Truck Insurance Georgia
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Owner Operator Trucking Insurance Rincon, 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 Rincon, 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 Rincon, Georgia
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Owner Operator Trucking Insurance Rincon, Georgia
Owner Operator Trucking Insurance Rincon, Georgia
Rincon is a city in Effingham County, Georgia, United States. The 2020 population was 10,934, up from 8,836 at the 2010 census. Rincon is part of the Savannah Metropolitan Statistical Area.
Rincon, in the southeast area of Effingham County, Georgia, was incorporated as a city in 1927. While the earliest settlers came to the area in 1751, the area had little development until the late 19th century.
During the American Civil War, when forces of the Union Army penetrated the South, thousands of slaves escaped from plantations to go to their lines. Many fell in with the forces of Union General William Tecumseh Sherman and followed his March to the Sea. Hundreds of fugitive African-Americans drowned during the campaign while trying to cross Ebenezer Creek near the site of present-day Rincon, outside of Savannah. In 2010 the Georgia Historical Society erected a historical marker about this event, as part of a major project to memorialize little-known events from the Civil War era and recognize African-American sacrifices for freedom.
Rincon’s development was catalyzed by the coming of the railroad in the 1890s. A rail line was built from the Carolinas across the state line at the Savannah River and southward to Savannah. The name of the city is believed to have been adopted from the Spanish or Mexican name Rincón, after a small but prosperous town in Mexico. (Rincón means “corner”, more specifically an inside corner as one might refer to a nook, cove, or a more isolated location.)
Once the railroad and depot were built at Rincon, a telegraph operator or agent was on duty as early as about 1895. This opened up the area to long-distance communication. In addition to the railroad, a “dirt” road (now improved as State Highway 21) was built northwest from Savannah to Rincon and beyond, and other country roads were developed in the area. Rincon became a small hive of trading activity. The surrounding farmers, sawmill operators and the like, who had taken their products of cotton and lumber to Savannah, could “wagon” to Rincon to ship by rail. They also could receive shipments there and travel as rail passengers.
About the time of World War I, there was a spurt of local activity. Some men served in the military, and many locals in and around Rincon commuted daily to work in shipbuilding and other war-related plants in Port Wentworth and Savannah. Soon after the war, new homes were built or completed by new residents and old.
Residents established a grade school for white students about 1900 in an old two-story building opposite the Lutheran church. A few years later the school was relocated into a new two-story building between 4th and 5th streets. It had a steeple belltower and bell to signal recess and lunch periods, and the daily opening and closing of school. That building was used for at least 40 years for both grade school and high school. First known as the Effingham Institute. Its name was changed in the early 1920s to Rincon High School. Racial segregation continued to exclude African Americans from this school.
By 1929 the corporate government of the small town had become inactive, in part due to the small population. Sometime later, however, the population began to increase. By 1950 the population was 454. By 1955 it was 650 and by 1960 it was 1,057. Rincon was reincorporated and organized as the Town of Rincon around the end of 1954. The incorporated limits of Rincon originally formed a circle having a diameter of 2.5 miles (4.0 km), with the center at the site of the old (now gone) railroad depot, but annexations of land since the late 20th century have changed this shape.
In approximately 1934, Georgia State Route 21 was paved from the Chatham County line in the south, northward through Rincon and Springfield and beyond. In about 1939, electric lines were installed, and electric power was supplied from the Savannah Electric and Power Company, replacing private individual small plants. These improvements were made during the Great Depression to provide jobs to working men, with assistance from the federal government under the WPA program of President Franklin D. Roosevelt, whose administration invested heavily in infrastructure in the South.
In late 1955, Rincon installed its own city pump, tank, lines and water system, enabling “running water” throughout for the first time. In 1956, a volunteer fire department was organized. Also beginning in that year, many arterials and streets were paved.
As suburban development has expanded outward from Savannah, since 1990 the population of Rincon has grown rapidly, rising from 2,697 in 1990 to an estimated 9,638 in 2014.
Rincon is located in southeastern Effingham County at 32°17′36″N 81°14′3″W / 32.29333°N 81.23417°W (32.293258, -81.234171). Georgia State Route 21 passes through the town, leading northwest 7 miles (11 km) to Springfield, the county seat, and south 18 miles (29 km) to Savannah.
According to the United States Census Bureau, the city has a total area of 8.9 square miles (23.0 km), all land.
As of the 2020 United States census, there were 10,934 people, 3,827 households, and 2,537 families residing in the city.
As of the 2010 United States Census, there were 8,836 people living in the city. The racial makeup of the city was 69.4% White, 20.9% Black, 0.3% Native American, 1.9% Asian, 0.0% Pacific Islander, 0.3% from some other race and 2.5% from two or more races. 4.8% were Hispanic or Latino of any race.
As of the census of 2000, there were 4,376 people, 1,681 households, and 1,222 families living in the city. The population density was 651.9 inhabitants per square mile (251.7/km2). There were 1,892 housing units at an average density of 281.9 per square mile (108.8/km). The racial makeup of the city was 76.37% White, 19.13% African American, 0.25% Native American, 0.87% Asian, 1.69% from other races, and 1.69% from two or more races. Hispanic or Latino of any race were 2.95% of the population.
There were 1,681 households, out of which 39.5% had children under the age of 18 living with them, 52.9% were married couples living together, 15.5% had a female householder with no husband present, and 27.3% were non-families. 23.4% of all households were made up of individuals, and 8.3% had someone living alone who was 65 years of age or older. The average household size was 2.60 and the average family size was 3.06.
In the city the population was spread out, with 29.5% under the age of 18, 9.3% from 18 to 24, 32.6% from 25 to 44, 19.6% from 45 to 64, and 9.0% who were 65 years of age or older. The median age was 31 years. For every 100 females, there were 91.1 males. For every 100 females age 18 and over, there were 87.2 males.
The median income for a household in the city was $40,903, and the median income for a family was $46,607. Males had a median income of $42,443 versus $25,449 for females. The per capita income for the city was $22,023. About 8.0% of families and 9.4% of the population were below the poverty line, including 12.9% of those under age 18 and 8.7% of those age 65 or over.
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.