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Call us today to get complete Georgia trucking for hire coverage as fast as possible 855-826-0321. Reliable and affordable all inclusive policies. Call us for you best rates for your for commercial truck insurance. Count on us for delivering unparalleled customer service to meet your load hauling needs.
MOST REQUESTED COVERAGE’S
Motor Truck Cargo Coverage
Commercial General Liability
Personal Injury Protection (PIP)
Georgia Commercial Truck Insurance and Requirements
Trucking is a major part of the transportation industry and is a vital component of the economy, as it transports goods from one location to another on a wide variety of routes. As such, it is important that truckers and their vehicles have adequate insurance coverage for their trips. In the state of Georgia, commercial truck drivers are required to have certain types of coverage before they can legally operate their vehicles. This document outlines the requirements and insurance coverage that commercial truckers must have in order to legally operate in the state of Georgia.
In Georgia, all drivers of vehicles over 10,001 pounds must acquire commercial truck insurance. This includes vehicles that are used in businesses as well as those used by individuals. The minimum coverage requirements are liability insurance, comprehensive/collision coverage, and cargo insurance. These coverage requirements are important to protect the driver of the truck, as well as any others who may be affected by an accident or other incident involving the vehicle.
Liability coverage helps to protect the insured and any other parties involved in an accident. This type of insurance pays for other people’s medical bills, property damage, and legal fees if the insured is found to be at fault for an accident. The minimum liability coverage required by Georgia law is $25,000 for bodily injury per person, $50,000 for more than one person per accident, and $25,000 for property damage.
Comprehensive and collision coverage provides protection for the insured’s vehicle in cases of theft, vandalism, fire, flood, or anything else other than a collision with another vehicle. The minimum coverage requirements are $1,000 deductible and $50,000 limit per occurrence.
Cargo insurance is used to cover any damaged or lost goods that are being transported in a vehicle. It covers both physical damages and loss of income caused by the damaged or lost cargo. The minimum required cargo insurance is $500,000 per occurrence with a $1,000 deductible per occurrence.
In addition to the insurance coverage requirements, commercial truck drivers must also meet certain safety standards while driving in Georgia. All trucks must pass annual safety inspections as conducted by either the Georgia Department of Public Safety or a law enforcement officer. During these inspections, all vehicle systems are checked to ensure that they are functioning properly and that safety regulations are followed. Drivers must also display a valid Georgia Commercial Driver’s License in order to legally drive commercial trucks in the state.
Drivers are also expected to follow all Georgia traffic laws while operating a commercial vehicle. This includes adhering to posted speed limits and maintaining a safe distance between vehicles when driving on highways. Additionally, drivers should be aware of applicable hazardous material regulations as set forth by federal law as well as any applicable state laws regarding hazardous materials being transported in commercial vehicles.
Commercial truckers operating in Georgia must also meet financial responsibility requirements set forth by the state. This includes having enough money or an approved surety bond available to cover liabilities related to any accidents or incidents that may occur while operating a commercial vehicle. As well as providing proof that they have enough funds in case of an accident or incident, truckers must also show proof of insurance that meets the minimum requirements outlined in this document.
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Below are the classifications of commercial big rig trucking policies.
• Symbol 1 – Any auto, don’t have to schedule them. Covers any auto as long
as the insured is using it. (This is rare nowadays especially for Big Rig Trucks))
• Symbol 2 – Any owned auto. Covers only autos that the insured owns.
Includes autos you acquire ownership of after the policy begins.
• Symbol 3 – Owned private passengers autos only. Covers private passenger
autos. Includes autos you acquire after the policy begins.
• Symbol 4 – Owned autos other than private passenger autos only. Covers only
those autos you own that are not private passenger and for liability for trailers
you don’t own while attached to power units you own. Includes those autos
not of the private passenger type you acquire after the policy begins.
• Symbol 5 – Owned autos. Subject to No Fault State.
• Symbol 6 – Owned autos. Subject to Compulsory Uninsured Motorist Law.
Form you attach when the state requires and insured can not reject uninsured
motorist coverage. It includes autos you acquire during the policy period after
the policy begins.
• Symbol 7 – Specifically described autos. Covers only described autos.
Coverage follows power unit. Non owned trailers have liability with this form. (Most common for Big Rig, Box Trucks and other For-Hire operations)
• Symbol 8 – Hired Auto Only. Covers auto you lease, hire, rent or borrow.
This does not include any auto you lease, hire, rent or borrow from any of your
employees, partners or members, etc.
• Symbol 9 – Non-Owned Autos Only – Coverage auto you do not own, lease,
hire, rent or borrow that are used in connection with your business. Includes
auto owned by your employees, partners, members, etc.
We can easily insure the following Georgia business types. >Click here to get your free Alabama Big Rig Truck Insurance Quote<
CEMENT CONTRACTING – COAL HAULING – CONSTRUCTION – COURIER SERVICE – COURTESY PASSENGER TRANSPORT – DEBRIS REMOVAL – DEMOLITION – DIRT, SAND & GRAVEL – ELECTRICIANS – EXPEDITERS – FARMING – FIREWOOD HAULING – BULK FLORIST Refrigerated DELIVERY – FOR-HIRE TRUCKING – FROZEN FOODS TRANSPORT – FURNITURE DELIVERY – GARBAGE COLLECTION – HAZARDOUS MATERIALS HAULING – HOTEL SHUTTLES – HOTSHOT TRANSPORT – ICE CREAM VENDOR – IMPOUND LOT – INTERIOR DECORATING – INDEPENDENT TRUCKING – LANDSCAPING – LEASED-ON BIG RIG TRUCKING – LINEN SUPPLY – LOGGING – LONG-HAUL TRUCKING – MOTORCYCLE DEALERSHIP – OWNER-OPERATOR – PIANO MOVING – PLUMBING – ROCK QUARRY HAULING – RECYCLING SERVICES – REFRIGERATED GOODS TRANSPORT – RETAIL FOOD MARKET – ROOFING – SHOPPING MALL DELIVERIES – SNOW PLOWING – TOW OPERATION – TREE SERVICE – WIDE LOAD HAULER – WRECKER SERVICES and much more.
Owners and operators of commercial trucks face much stricter laws compared to other drivers in terms of safety regulations and insurance requirements. As such, it is important that truckers understand all applicable laws related to commercial trucking so that they can remain compliant and protected from any potential financial losses associated with accidents or other incidents involving their vehicles. By following these guidelines and obtaining necessary insurance coverage before hitting the road, truckers can feel confident that their trips will be safe for everyone involved.