Owner Operators Truck Insurance Near Me Mishawaka, Indiana
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Mishawaka, Indiana. 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 Mishawaka, Indiana with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Mishawaka, Indiana 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.
Mishawaka is a city on the St. Joseph River, in Penn Township, St. Joseph County, in the U.S. state of Indiana. The population was 51,063 as of the 2020 census. Its nickname is “the Princess City”. Mishawaka is a principal city of the South Bend–Mishawaka, IN-MI, Metropolitan Statistical Area.
Mishawaka’s recorded history began with the discovery of bog iron deposits at the beginning of the 1830s. Settlers arriving to mine the deposits founded the town of St. Joseph Iron Works in 1831. Within a few years, the town had a blast furnace, a general store, a tavern, and about 200 residents. Business prospered, and in 1833 St. Joseph Iron Works, Indiana City, and two other adjacent small towns were incorporated to form the city of Mishawaka.
The Mishawaka post office has been in operation since 1833.
On June 27, 1859, a bridge carrying a train, which had over 150 people on board, collapsed, killing 60.
In September 1872, a fire destroyed three quarters of Mishawaka’s business district. However, the citizens rebuilt and attracted new industry. The Dodge Manufacturing Company, Perkins Windmills and the Mishawaka Woolen and Rubber Company (later Ball Band, then Uniroyal) all helped the town to prosper. Mishawaka grew through both industry and agriculture. In the late 19th century, Mishawaka became known as the “Peppermint Capital of the World”, since the area’s rich black loam produced great quantities of mint.
From 1906 to 1915, Mishawaka was the manufacturing home of the luxurious American Simplex motor car. Ball Band made rubber garments and was hit by a major strike in 1931. It flourished in the 1940s, finally closing in 1997 in the face of cheaper imports. Manufacturing in Mishawaka peaked in the 1940s and began a slow decline due to industrial restructuring. The economic base shifted to retail services and small industry.
In 1979, University Park Mall opened in the far northern portion of Mishawaka. In 1990, AM General began producing the Hummer in its Mishawaka plant. The MV-1 is a purpose-built taxicab and replaces the planned Standard Taxi; it was developed in collaboration with AM General. The car is built in Mishawaka at an AM General plant. AM General will begin making Mercedes vehicles at this plant in 2015.
The name Mishawaka derives from the name of a Potawatomi village at the junction of the Elkhart and St. Joseph rivers, where there were many dead trees. The village’s exact name in the Potawatomi language may have been *mšwakig (“at the firewood-tree land”). In the Miami-Illinois language, which historically was also spoken in the area, the corresponding placename is mihswaahkwahkiki (“it is firewood-tree land”).
The nickname “Princess City”, however, derives from a different account of the name’s origin. According to this story, “Mishawaka” or something similar was the name of the daughter of a Shawnee chief named “Elkhart”. A love triangle between Mishawaka, a white trader named “Dead Shot”, and a Shawnee warrior named “Grey Wolf” led to various adventures. This story originated with Flavius J. Littlejohn, a Michigan politician and judge, who published a collection of such stories in 1875; in Littlejohn’s account, the woman’s name was “Mishawaha”.
Old-fashioned neighborhoods are found across the city. Many of the newer residential subdivisions that have been developed within the city in recent years have adopted design guidelines to produce the “hometown” neighborhood feel and encourage community spirit.
The city continually upgrades and develops new neighborhood park and recreation facilities. A total of 29 parks allow Mishawaka residents to golf, play ball, fish and exercise. In 1968, the city opened an outdoor Olympic-size swimming pool and an adjacent ice skating rink at Merrifield Park. On the south side, Mishawaka’s George Wilson Park is home to the city’s most popular winter toboggan spot, as well as an 18-hole frisbee golf course. Some of the city’s Italian immigrants and their descendants still play traditional games such as bocce, and a few ethnic Belgians continue to raise and race homing pigeons. The city also hosted the nation’s oldest and largest wiffleball tournament, the World Wiffle Ball Championship, from 1980 to 2012 and again in 2020.
The city’s three high schools (Mishawaka High School, Penn High School, and Marian High School) have won a combined 11 state championships in football since 1920.
According to the 2010 census, Mishawaka has a total area of 17.348 square miles (44.93 km), of which 17 square miles (44.03 km) (or 97.99%) is land and 0.348 square miles (0.90 km) (or 2.01%) is water.
As of 2000 the median income for a household in the city was $33,986, and the median income for a family was $41,947. Males had a median income of $33,878 versus $23,672 for females. The per capita income for the city was $18,434. About 7.3% of families and 9.9% of the population were below the poverty line, including 11.7% of those under age 18 and 7.3% of those age 65 or over.
As of the census of 2010, there were 48,252 people, 21,343 households, and 11,730 families residing in the city. The population density was 2,838.4 inhabitants per square mile (1,095.9/km). There were 24,088 housing units at an average density of 1,416.9 per square mile (547.1/km). The racial makeup of the city was 86.1% White, 6.9% African American, 0.4% Native American, 1.9% Asian, 0.1% Pacific Islander, 1.6% from other races, and 2.9% from two or more races. Hispanic or Latino of any race were 4.5% of the population.
There were 21,343 households, of which 28.2% had children under the age of 18 living with them, 35.5% were married couples living together, 14.4% had a female householder with no husband present, 5.1% had a male householder with no wife present, and 45.0% were non-families. 37.4% of all households were made up of individuals, and 12.4% had someone living alone who was 65 years of age or older. The average household size was 2.21 and the average family size was 2.92.
The median age in the city was 34.7 years. 23.1% of residents were under the age of 18; 11.4% were between the ages of 18 and 24; 28.3% were from 25 to 44; 23.7% were from 45 to 64; and 13.6% were 65 years of age or older. The gender makeup of the city was 47.1% male and 52.9% female.
Mishawaka is served by TRANSPO municipal bus system, which also serves South Bend and several smaller suburbs in South Bend-Mishawaka metropolitan region. The Interurban Trolley’s Bittersweet/Mishawaka route stops at Martin’s Supermarket, connecting riders to the city of Elkhart and the town of Osceola. The closest Amtrak station and the closest commercial airport are both located in western South Bend.
Public schools in Mishawaka and/or serving Mishawaka are operated by several school districts. School City of Mishawaka serves the central part of the city. Other sections are within the Penn-Harris-Madison School Corporation and the South Bend Community School Corporation. Mishawaka High School is the sole high school of the Mishawaka school district.
Penn-Harris elementary schools serving sections of Mishawaka include Walt Disney (in the Mishawaka city limits), Elm Road, Meadow’s Edge, Prairie Vista, and Elsie Rogers; the middle schools respectively are Schmucker and Grissom. Penn High School, outside of the city limits, is the sole public high school of the Penn-Harris-Madison school district. Aside from Walt Disney Elementary, none of the other respective schools are in the Mishawaka city limits. The school zonings for the South Bend School Corporation area are as follows (none of the schools are in Mishawaka): Darden Elementary School Edison Middle School and Adams High School. The section was in 2020 zoned to Tarkington Elementary, which closed in 2021.
The Roman Catholic Diocese of Fort Wayne-South Bend operates four private Catholic schools in Mishawaka, including Marian High School.
Bethel University is an accredited evangelical Christian liberal arts school with 1,700 students.
Mishawaka has a public library, a branch of the Mishawaka-Penn-Harris Public Library system.
One major daily newspaper serving the South Bend and Mishawaka metro area, the South Bend Tribune. It is distributed in north central Indiana and southwestern Michigan.
Mishawaka has a wide variety of local radio broadcast available in the area. Stations’ programming content contains a wide variety including public radio, classical music, religious, country, and urban contemporary among others. For more information, see List of Radio Stations in Mishawaka, Indiana.
As of 2013, the South Bend-Mishawaka-Elkhart designated market area was the 95th largest in the United States, with 319,860 (0.3% of the US population)
homes. Most of the major television networks have affiliates in the Michiana area.
Mishawaka located stations include WSBT-TV (CBS), WBND-LD (ABC), WCWW-LD (CW) and WMYS-LD (My Network TV).
Stations located in nearby South Bend, IN include WNDU-TV (NBC), WNIT-TV (PBS) and WHME-TV (LeSEA).
One legend holds that the city is named after Mishawaka, daughter of Shawnee Chief Elkhart. Although Native Americans do not have royalties, in the 19th century, “princess” was a term often used to describe a tribal Chief’s daughter. According to the story, the Shawnee were permitted to settle on Potawatomi lands in the late 18th century, and Potawatomi Chief Grey Wolf soon fell in love with Mishawaka. She rejected his advances and pledged her love to a white trapper, known only as Deadshot. A war between the two tribes ensued, and Grey Wolf captured Mishawaka and threatened to kill her unless she married him. Deadshot followed him, however, and the two men fought to the death. Grey Wolf died, but not before stabbing Mishawaka in the breast. She recovered, but died in 1818 at age 32. She was supposedly buried near Lincoln Park, where a bronze marker recounts the legend.
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.