Owner Operators Commercial Truck Insurance Near Me Phenix City, Alabama
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Phenix City, Alabama. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Phenix City, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Phenix City, Alabama in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
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, $5,000 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.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
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.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Phenix City is a city in Lee and Russell counties in the U.S. state of Alabama, and the county seat of Russell County. As of the 2020 Census, the population of the city was 38,817.
Phenix City lies immediately west across the Chattahoochee River from Columbus, Georgia and observes Eastern Time on a de facto basis (in contrast to the rest of Alabama, which observes Central Time) due to Phenix City’s strong economic ties to Columbus. Most of Phenix City is included in the Columbus Metropolitan Statistical Area, and the remainder is in Lee County and therefore included in the Auburn, Alabama Metropolitan Statistical Area. The entire city is part of the Columbus-Auburn-Opelika Combined Statistical Area.
In 2007, BusinessWeek named Phenix City the nation’s No. 1 Best Affordable Suburb to raise a family. It is home to Chattahoochee Valley Community College, a public, two-year college with an acceptance rate of 100%. Troy University has a satellite campus in Phenix City.
As of 2020, the mayor is Eddie N. Lowe, the city’s first black mayor elected by the public. The city manager, who holds the task of organizational matters, is Wallace Hunter.
Phenix City is located at 32°28′22″N 85°1′12″W / 32.47278°N 85.02000°W (32.472822, −85.020121). It is the easternmost settlement in the state of Alabama as well as the Central Time Zone, but it and some other nearby areas unofficially observe Eastern Time, as these areas are part of the metropolitan area of the considerably larger city of Columbus, Georgia, which is in the Eastern Time Zone and adjacent to the city across the Chattahoochee River to the east.
Several major highways run through Phenix City, namely U.S. Routes 80, 280, and 431. U.S. Route 80 runs through the northern and western parts of the city, leading west 44 mi (71 km) to Tuskegee and northeast to Columbus, Georgia. U.S. 280 runs through the western part of the city from northwest to southeast, leading northwest 27 mi (43 km) to Opelika and southeast into Columbus. U.S. 431 runs north to south to the west of the city, concurrent with US 280, which it follows to Opelika, and leads south 47 mi (76 km) to Eufaula.
According to the U.S. Census Bureau, the city has a total area of 24.8 square miles (64 km), of which 24.6 square miles (64 km) is land and 0.2 square miles (0.52 km) (0.61%) is water.
The climate in this area is characterized by relatively high temperatures and evenly distributed precipitation throughout the year. According to the Köppen Climate Classification system, Phenix City has a humid subtropical climate, abbreviated “Cfa” on climate maps.
What some claim was the last battle of the Civil War, the Battle of Columbus took place on April 16, 1865, in Phenix City, then known as Girard. Union General James Wilson was met with Confederate opposition as he crossed the Chattahoochee River in an attempt to destroy the military industry of Columbus, Georgia.
Today’s Phenix City initially began as two towns bordering each other on the North and South. On the south side was Girard, in Russell County, and the town of Brownville, on the north side, which was entirely within Lee County. Because a community in Tuscaloosa County already claimed the name of Brownville, the post office insisted on the name of “Lively”. To compound the confusion, the nearby railroad depot was called Knight’s Station. Because residents preferred Brownville, on the 1880 U.S. Census, it was listed as both Brownville and Lively. It was formally incorporated by the legislature on February 23, 1883.
Within the decade, the name would be changed to Phenix (or Phenix City), although some misspellings had it as “Phoenix”. It was not clear if it was named for Phenix Mills in adjacent Columbus, Georgia, or for the fabled bird. It appeared as Phenix City on the 1890 U.S. Census and was incorporated as such on February 19, 1897, by the state legislature. The City Official website displays the mythical Phoenix. The city’s Seal also depicts the Phoenix burning up in its nest. The ‘Our Community/History’ page confirms the uncertainty behind the name: “Although no definitive source reveals why this name was chosen.”
On August 9, 1923, Russell County’s neighboring Girard (which made up most of current downtown Phenix City) and Lee County’s Phenix City formally merged, keeping the name of Phenix City. Because the consolidated city still remained divided into two counties, in 1932, the Lee County portion was moved entirely into Russell County (also cited for the redraw was to account for population shifts involved in the Auburn University opening and expansion). Lee County received the rural segment at Marvyn as compensation, which was formerly in Russell County’s northwest corner.
In 1926, the Russell County portion of Phenix City was designated the second county seat (the seat from 1868 had been at rural Seale). In 1934/35, Phenix City then became the sole county seat.
Phenix City was notorious during the 1940s and 1950s for being a haven for organized crime, prostitution, and gambling. Many of its customers came from the United States Army training center at Fort Benning, Georgia. The leaders of the crime syndicate in Phenix City were Jimmie Matthews and Hoyt Shepherd. Albert Patterson, from Phenix City, was elected to become attorney general of Alabama on a platform of reforming the city, but was shot and killed in 1954 outside his office on 5th Ave, north of 14th Street. As a result, the city had a negative reputation, and many people still associate this legacy with Phenix City. The Tragedy and the Triumph of Phenix City, Alabama by Margaret Ann Barnes chronicles these events, which led the small town to be known as “Sin City, USA”. The bordertown was the subject of an acclaimed film, The Phenix City Story, made in 1955.
In 1955, it won the All-America City Award from the National Municipal League.
Despite the city having been entirely annexed into Russell County in 1932, the growth of the city has spread northward back into Lee County, where it first appeared on 1980 U.S. Census records. As of 2010, nearly 4,200 residents (out of almost 33,000) reside in the Lee County portion.
Phenix City is home to many Christian churches. The denominations include:
As of the census of 2000, there were 28,265 people, 11,517 households, and 7,566 families residing in the city. The population density was 1,149.1 inhabitants per square mile (443.7/km). There were 13,250 housing units at an average density of 538.7 per square mile (208.0/km). The racial makeup of the city was 52.94% White, 44.97% Black or African American, 0.23% Native American, 0.53% Asian, 0.02% Pacific Islander, 0.56% from other races, and 0.76% from two or more races. 1.49% of the population were Hispanic or Latino of any race.
There were 11,517 households, out of which 31.7% had children under the age of 18 living with them, 39.4% were married couples living together, 22.1% had a female householder with no husband present, and 34.3% were non-families. 30.4% of all households were made up of individuals, and 11.5% had someone living alone who was 65 years of age or older. The average household size was 2.40 and the average family size was 2.99.
In the city, the population was spread out, with 26.3% under the age of 18, 9.6% from 18 to 24, 28.7% from 25 to 44, 21.2% from 45 to 64, and 14.2% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 86.2 males. For every 100 females age 18 and over, there were 80.4 males.
The median income for a household in the city was $26,720, and the median income for a family was $33,740. Males had a median income of $28,906 versus $21,348 for females. The per capita income for the city was $14,619. About 18.8% of families and 21.3% of the population were below the poverty line, including 29.5% of those under age 18 and 20.6% of those age 65 or over.
As of the census of 2010, there were 32,822 people, 13,243 households, and 8,623 families residing in the city. The population density was 1,334.2 inhabitants per square mile (515.1/km). There were 15,198 housing units at an average density of 617.8 per square mile (238.5/km). The racial makeup of the city was 48.7% White, 46.6% Black or African American, 0.3% Native American, 0.7% Asian, 0.2% Pacific Islander, 1.4% from other races, and 2.2% from two or more races. 4.0% of the population were Hispanic or Latino of any race.
There were 13,243 households, out of which 31.8% had children under the age of 18 living with them, 36.4% were married couples living together, 23.9% had a female householder with no husband present, and 34.9% were non-families. 30.1% of all households were made up of individuals, and 9.5% had someone living alone who was 65 years of age or older. The average household size was 2.44 and the average family size was 3.03.
In the city, the population was spread out, with 26.9% under the age of 18, 10.4% from 18 to 24, 27.9% from 25 to 44, 23.0% from 45 to 64, and 11.8% who were 65 years of age or older. The median age was 33.1 years. For every 100 females, there were 87.7 males. For every 100 females age 18 and over, there were 86.0 males.
The median income for a household in the city was $33,120, and the median income for a family was $39,417. Males had a median income of $36,827 versus $27,001 for females. The per capita income for the city was $18,883. About 20.3% of families and 23.9% of the population were below the poverty line, including 39.7% of those under age 18 and 13.1% of those age 65 or over.
As of the 2020 United States census, there were 38,816 people, 14,716 households, and 9,170 families residing in the city.
Unlike the rest of Alabama which lies in the Central Time Zone, Phenix City’s proximity to the larger city of neighboring Columbus, Georgia, located in the Eastern Time Zone, and its strong economic links leads Phenix City (including its municipal government) and localities within a 10–15 mi (16–24 km) radius (such as Smiths Station) to observe Eastern Time on a de facto basis.
There are three radio stations licensed in Phenix City: WHTY (1460 AM), WURY-LP (97.1 FM), & WGSY (100.1 FM).
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.
