Georgia Truck Insurance
GA License #: 214843
Georgia Trucking Insurance
According to the FMCSA, over 5,000 large trucks and buses were involved in fatal crashes in 2018, which is a 48 percent increase in comparison to its low of 3,432 in 2009. With that in mind, it’s easy to see why insurance is required throughout the nation. To keep your trucks on the road and turning a profit, you don’t just need qualified drivers and working trucks—you also need the right insurance to protect your vehicles and drivers. With rising insurance rates, finding the right insurance for your budget can be a challenge, but it’s not impossible. We’re here to help guide you through it.
While the same general regulations apply throughout the US, there are variations across the states to consider as well. Keep reading to learn more about the specifics of Georgia truck insurance and why you should use an independent insurance agent when protecting your trucks.
Why do I need Georgia Truck Insurance?
Truck Liability Coverage
Liability coverage is necessary in every state, and it’s easy to see why. In the case of an accident, liability insurance protects you from shouldering the cost of the injuries or damages sustained by the other driver or vehicle so you don’t have to. In Georgia, the law requires a minimum level of liability insurance you must hold, which is determined by what you are hauling and where you are hauling it. For example, if your truck doesn’t cross state lines and weighs more than 10,000 GVW, you are required to get an intrastate only USDOT number and maintain insurance.
Physical Damage Coverage
While physical damage coverage isn’t required by law, it is no less essential than liability coverage. The FMCSA reports that the average cost of a crash involving a large truck is $91,000. Factor in injuries and that cost can go up to nearly $200,000. If fatalities are involved, that cost could even reach millions of dollars. Physical damage coverage protects you from losses, such as a truck being put out of commission.
Motor Truck Cargo
Motor truck cargo insurance is needed by for-hire truckers to properly cover the commodities they are hauling. It is generally required by the party who owns the product being transported. This ensures that if their goods are damaged or stolen while in transit, their assets will be covered. In Georgia, you are required to maintain a minimum level of cargo insurance that covers $25,000/vehicle and $50,000/catastrophe if you transport household goods within the state or your trucks travel to other states. Depending on the cargo that is in transport by your big rig, you may need specific endorsements. For example, if you transport refrigerated goods, you will need to make sure you have “reefer breakdown” coverage. This might cover a $50,000 load of frozen yogurt when the reefer unit breaks down on I-75 in the middle of summer. Of any line of 18-wheeler insurance, cargo insurance is the one you need to understand and pay attention to the most. You usually get what you pay for, and some carriers will make a long list of exclusions that specifically exclude coverage for certain events.
Truckers General Liability
You may assume that you only need to protect your trucks in the case of an accident on the road, but there are mishaps that may occur when nobody is even behind the wheel. Truckers general liability is designed to cover accidents that occur off the road. For example, if something were to happen to other aspects of your business, like a warehouse or fulfillment center, truckers general liability would help cover those costs. You need truckers general liability insurance to make sure you’re covered everywhere—off the road and on.
Why Should I use an Independent Insurance Agent?
Find Insurance Programs Specific to Your Needs
When acquiring insurance, you’ll save time and money by finding a program that caters to the types of trucks your business uses rather than forcing a generic policy to fit your needs. For example, TIS specializes in the trucking niche and provides market access to numerous specialty truck insurance programs, including programs for the following:
- General freight
- Dry van
- Dump trucks
- Tow trucks
- Auto transport
Instant Certificates of Insurance with our Mobile App
Insurance is meant to help when you least expect it. If we could predict future accidents, we likely wouldn’t need insurance at all. When the unexpected happens and you need to prove your policy, you want to know that someone will answer your call, no matter what time it is, day or night. At TIS, we offer 24/7 service through our mobile app so you can prove your insurance—any time, anywhere. We’re there to support you through every mile of your journey, wherever it may take you.
Get Assistance with your Trucking Permits & Filings
The best agent is concerned with more than just keeping you insured. They also want to help you stay up to date with all of your permits. After all, compliance can be tricky, especially with everything else you’re keeping track of. Operating without the right permits, however, can be costly with the resulting fines and barriers to your business. At TIS, our permit department does the work for you. We are well versed in all things related to Georgia truck insurance. We are also constantly watching the system of ever-changing permits and regulations to ensure you have all of the necessary permits. It’s our goal to keep you informed of all changes made to laws and regulations.
As an independent brokerage, TIS has access to nearly every carrier under the sun. So, no matter what kind of truck you’re driving, we can partner you with the carrier right for your business. Contact us today to learn more.
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