Trucking Insurance for New Authority Alapaha, Georgia
New Authority Truck Insurance Georgia
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Trucking Insurance for New Authority Alapaha, 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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Trucking Insurance for New Authority Alapaha, Georgia
We offer affordable new authority trucking insurance for the entire state of Georgia.
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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.
Trucking Insurance for New Authority Alapaha, Georgia
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Trucking Insurance for New Authority Alapaha, Georgia
Trucking Insurance for New Authority Alapaha, Georgia
Alapaha is a town in Berrien County, Georgia, United States, along the Alapaha River. As of the 2020 census, the city had a population of 481.
Alapaha developed from a trade settlement on the site of a Seminole village with the same name. The present-day Georgia town of Lakeland was originally named “Alapaha” and existed before the town that now bears the name.
The Smithsonian Institution documented the presence of an Indian mound near Alapaha in 1886: “The Alapaha mound is situated 5 miles (8.0 km) northeast of the town of Alapaha, on Alapaha River, on lot of land No. 328, fifth district of Berrien County, Georgia. It is 38 feet (12 m) across, 6 feet (1.8 m) above the level, and somewhat oval in shape. In the center of the mound was a burial vault 6 feet (1.8 m) deep, 3 feet (0.91 m) wide, and 6 feet (1.8 m) long, north and south. Two bodies were deposited in this vault with the heads pointing south.” It is possible that these remains became part of the Smithsonian collection, as was typical of its archaeological expeditions at the time. This source also gives the location and contents of two other Berrien County mounds south of Nashville, the Withlacoochee mound, and the French Ferry mound.
Early European settlers were primarily Highland Scots Methodist or Primitive Baptist, representing two socio-economic classes, “Jeffersonian yeomen” and a “squirearchy,” two distinct divisions of landed farmers created by the Georgia Land Lottery of 1820. Between 1820 and 1840, agriculture was principally sheep and cattle herding. With the advent of railroad expansion in the 1830s a sizeable population of Irish Catholic laborers settled in and around the lower Alapaha River, eventually leading to the establishment of St. Anne’s Catholic church there. Brushy Creek Primitive Baptist Church, originally in Irwin County, figured prominently in local affairs up to and after the Civil War. The Primitive Baptists often opposed the Methodist program of “benevolence” toward less fortunate citizens.
The town of Alapaha was established as a depot on the route of the Brunswick and Albany Railroad near where a road leading from Nashville, Georgia to Edenfield, Georgia crossed the Alapaha River. Early railroad maps refer to it as “Alapaha Station.” It was in existence by at least 1874.
The 1880s and 1890s brought an agricultural and industrial boom in forestry, timber, and naval stores. There were several sawmills in Alapaha by 1880, including “Alapaha Steam Saw Mills, established 16 years” which ran a weekly advertisement in the New York Times, boasting that Sloat, Bussell, & Co. were prepared to ship from Savannah or Brunswick “a Superior Article of Long leaf, close-grained, untapped Georgia Pitch Pine,” guaranteed never to have been “injured” by turpentine extraction. Alapaha Steam Saw Mills listed its business addresses as 116 Wall Street, New York City, and 76 Bay Street, Savannah.
In 1881, Alapaha received prominent mention in a promotional pamphlet on the excellence of economic opportunity in South Georgia. The pamphlet was published “under the auspices” of the Savannah, Florida, and Western Railroad, the Brunswick and Albany Railroad, and the Macon & Brunswick Railroad, for the benefit of “Timber Men, Lumber Manufacturers, Fruit Growers, Vegetable Growers, Tourists, Invalids, Pleasure Seekers, Travellers, Parties Seeking New Homes, –and–All Who Desire To Better Their Condition.” It devoted significant space to Alapaha, calling it “an important wool market,” and “a lively and business-like little village,” with “six stores with mixed stocks, and three bar-rooms.” Its aggregate annual sales reached $100,000, and it had “two physicians, two lawyers, and one dentist” and “a sprightly newspaper.” Calling it a “land of promise,” the anonymous writer (probably a Mr. Lastinger who was the newspaper editor) wrote, “Bee culture is also carried on; the honey is as rich as that from California.”
From the Macon Telegraph, March 24, 1886, in an article titled “At Alapaha. Her New Hotel. Her Clever Social People. Her Prosperous Merchants, Etc.,”: “…a new hotel, two stories high, nicely fitted up and well kept. Dr. J.A. Fogle, one of the most clever men you would met in a week’s hard riding, is the proprietor, but his time is mostly devoted to an extensive practice and to his well-stocked drug store. The hotel is presided over by Mrs. Fogle, a lady of refinement and most pleasant manner, ably assisted by her sister, Miss Fannie Leonard. The table is bountifully supplied with tempting fare, the sleeping apartments are models of cleanliness and comfort, and the attention to guests is prompt and courteous The commercial tourists are fond in their praise of it, and you know they are, generally speaking, a difficult set to please.” This building is still intact, and is now a private home.
In the spring of 1897, a catastrophic fire destroyed four uninsured buildings in the downtown section of Alapaha. The Macon Telegraph reported that a bucket brigade of both black and white citizens worked to save the buildings, which had begun to burn after midnight. Lost were a store belonging to H.B. Young, a sewing machine repair business belonging to Mr. Norton, who managed to save his tools and materials, a two-story building owned by J.H. Baker, an old livery stable run by J.S. Turner, and a storehouse managed by W.S. Walker that contained 39 barrels (6.2 m) of wine, an iron safe, and books and papers. Two of the buildings were owned by a T. Cook. The paper reported that “the cause of the fire is not known, but the general opinion is that someone must have set it on fire.”
The 1907 roster of the Georgia Medical Association lists two physicians from Alapaha, W.A. Moore and G.A. Paulk.
Alapaha was the site of a famous Atlantic Coast Line Railroad train wreck on March 26, 1911, when the Dixie Flyer derailed on a high trestle across the Alapaha River, killing ten and injuring many, including wealthy Northern socialites who were traveling to the coast.
On December 30, 1914, a patent application for a “portable shower-bath” with a detailed diagram was submitted by inventor Robert Alex Rutland of Alapaha, and witnessed by E.F. Tiller and W.M. Gaskins, local entrepreneurs. The patent was granted by the U.S. Patent Office on July 20, 1915.
On July 4, 1918, the Alapaha, a wooden paddle-wheeler Ferris-type cargo ship whose dead-weight tonnage was 3,500, registered in Cornwells Heights, Pennsylvania, was christened and launched. The ship routinely transported cargo such as coal between Philadelphia and the French cities of Rouen and Le Havre. The vessel was featured in a New York Tribune headline “Freighter in Distress,” reported to be off the Atlantic Coast, “heavy seas breaking over her deck, her steam pipes were broken; her seams had opened up and several feet of water were in her hold.” The freighter survived, only to meet with delays during the marine workers’ union strikes of 1919.
Alapaha lost four men (of 25 total from Berrien County) in the infamous Otranto troopship disaster off the coast of Scotland, eight weeks before the Armistice ended World War I. Their names and hometowns were published among 200 dead in the New York Times coverage. They were James Malcolm McMillan, Arthur Harper, William Hayes, and B.F. McCranie.
The Alapaha Colored School, one of the historic place listings in Berrien County, was the only school for African American children in the northern part of the county for three decades, starting in 1924. Atypical for rural Georgia, it had four classrooms and two stories, accommodating boys and girls in eleven grades; it closed in 1954 when Berrien County’s African American schools were consolidated in Nashville.
A tornado on May 11, 1952, led to national headlines. The business area of the town was decimated and the water tower was smashed. The Red Cross set up field operations, bringing in a director from Moody Air Force Base and a mobile kitchen from Fort Benning.
In 1963, the U.S. Department of Labor won a lawsuit, Wirtz v. Alapaha Yellow Pine Products, Inc., against a locally owned sawmill. At issue were Fair Labor Standards Act violations concerning overtime pay. The case became a minor landmark in labor litigation history; the case is frequently cited as a precedent for denying defendants in similar suits to have their cases heard by a jury.
On October 3, 1966, Army Master Sgt. James Emory Jones of Alapaha, one of the first members of the elite Military Assistance Command, Vietnam Studies and Observations Group (MAC-SOG), a black-operations unit of the Vietnam War, was killed in a secret attempt to wire-tap North Vietnamese communications lines in Laos. The existence of this secret unit was concealed for many years, as well as its operations outside borders of Vietnam. Jones’s entire three-man commando unit was lost; evidence suggests that the unit requested U.S. bombers fire upon its coordinates when they knew they could not escape ambush. Jones’s fate and place of death were kept secret for many years, and he was listed as “missing in action” for over two decades.
The 1996 novel The Wonder Book of the Air (ISBN 067943982X) by Cynthia Shearer is set in Alapaha and includes much of the town’s history.
Just outside the town is the site where the famous “Hogzilla,” a “wild” hog weighing in at about 800 pounds (360 kg), was shot on June 17, 2004, on a commercial hunting farm. The carcass of the hog was exhumed for a National Geographic special.
The name “Alapaha” was included, along with hundreds of Native American words, in mid-19th-century pronunciation guides as both a river and a village. Even then, opinions differed as to the proper pronunciation of the word, whether it was “A-LAP-Uh-ha,” or “A-LAP-uh-haw.” These guides offer no speculation as to the word’s meaning. There were many variant names, pronunciations, and spellings of the Alapaha River operant in the late 19th century.
Some ethnologists believe that “Alapaha” was the Creek word for “other side;” others believe it was the Timucua language word for “bear.” At least one ethnolinguist believed that “Alapaha” is a Creek adaptation of the Timucuan word “arapaha” which meant “bear lodge.” A Timucua town named Arapaha apparently gave its name to the river it was located on. Speakers of one or another of the Muscogean languages, which do not have the sound “r”, may have changed the pronunciation of the name from “Arapaha” to “Alapaha.”
According to the United States Census Bureau, the town has a total area of 1.0 square mile (2.6 km), all land.
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, Alapaha has a humid subtropical climate, abbreviated “Cfa” on climate maps.
As of the census of 2000,[needs update] there were 682 people, 270 households, and 194 families residing in the town. The population density was 684.5 inhabitants per square mile (264.3/km). There were 318 housing units at an average density of 319.2 per square mile (123.2/km2). The racial makeup of the town was 62.76% African American, 36.36% White, 0.15% Native American, and 0.73% from two or more races.
There were 270 households, out of which 34.8% had children under the age of 18 living with them, 43.7% were married couples living together, 24.4% had a female householder with no husband present, and 28.1% were non-families. 24.8% of all households were made up of individuals, and 11.1% had someone living alone who was 65 years of age or older. The average household size was 2.53 and the average family size was 3.05.
In the town, the population was spread out, with 27.7% under the age of 18, 9.5% from 18 to 24, 25.2% from 25 to 44, 23.6% from 45 to 64, and 13.9% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 86.8 males. For every 100 females age 18 and over, there were 78.0 males.
The median income for a household in the town was $22,422, and the median income for a family was $27,679. Males had a median income of $26,250 versus $18,800 for females. The per capita income for the town was $11,925. About 21.5% of families and 21.3% of the population were below the poverty line, including 31.6% of those under age 18 and 33.3% of those age 65 or over.
Alapaha was incorporated in 1881 by an act (Law #433) of the General Assembly of the Georgia legislature. That act set forth the framework for its municipal government, specifying that there be a mayor, aldermen, regular elections, taxes, licensing of “ten-pin alleys, billiard and pool tables, and other establishments calculated to encourage idleness” as well as “spiritous liquors.” The corporate limits of the town were set at a quarter-mile from the junction of Main and Center streets in every direction.
In its entire history, the town has only grown ¾ of a square mile, despite early efforts to promote it for development.
Alapaha’s city hall is located in the former depot that once served the Brunswick and Albany Railroad, the Atlantic Coast Line Railroad, and the Seaboard Coast Line Railroad.
The Alapaha Blue Blood Bulldog breed was developed from the Paulk plantation dogs of the area. They were first registered with the Animal Research Foundation by Lana Lou Lane of Rebecca, Georgia in 1986. She gave the breed the name because the Alapaha River ran near her home.[citation needed]
The Alapaha blueberry is a patented rabbiteye blueberry named for the Alapaha River, and tested at Alapaha. Its berries are medium in size and have excellent firmness, color and flavor.
“The Alapaha Blues (The Catfish Dance)” is a song by Brian Buffington.
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