Truck Insurance Georgia – We Have You Covered.
Let’s face it; Georgia Truck Insurance can be pretty expensive. As a driver or business owner, you should be able to expect that the coverage you are paying good money for is also the coverage you need.
That’s where Pathway Insurance comes in. We are an independent agency offering competitive prices and comprehensive coverage on Truck Insurance in Georgia. Because we are an independent agency we are able to shop the market to find you some of the best possible prices and the most thorough coverage for your given commercial auto insurance needs.
So, if you’re seeking Ga Truck Insurance look no further than Pathway Insurance.
You can reach us weekdays between 9:00 am and 5:30 pm at 1-800-998-0662. Call today to speak with one of our licensed truck insurance agents.
For inquiries after hours you can always request insurance information and free quotes by using our online quote submission form. You can access the form from anywhere on the site by clicking “Get a Quote” in the navigation menu, or by clicking the following link:
Truck Insurance Georgia – Get a Quote
What Type of Georgia Truck Insurance Coverage Do You Need?
There are several types of insurance coverage available for trucking operations. Some, like Liability Insurance, are mandatory, while others are optional. The kinds of additional coverage you need depends on the specifics of your operation. Bear in mind that the minimum coverage required by law is not necessarily sufficient in all claims circumstances
The following are examples of some of the types of insurance that may be important to have for trucking endeavors:
Physical Damage Coverage – Covers accidental loss or damage to insured vehicles. Collision, comprehensive, and specified causes of loss coverage form available. A deductible applies.
Medical Payments Coverage – Medical payments provides compensation for injuries to driver/employees or other persons riding in the truck with your consent.
Uninsured & Underinsured Motorist Coverage – Coverage for injuries, lost wages, pain and suffering to driver/employees entitled to recover from other parties not insured or underinsured.
Liability Insurance – Mandatory insurance protection for property damage and bodily injury that policyholders are legally obligated to pay due to accidents.
Georgia Truck Insurance Available for Virtually All Forms of Trucking!
There are many niches in the commercial trucking industry. If it exists, there’s a good chance Pathway Insurance covers it.
Whether it’s for single vehicles or fleets of vehicles, we offer commercial auto insurance for just about every kind of trucking operation. We can even find insurance programs for tow truck companies who specialize in repo work!
Here are just a few examples of the many types of trucking operations for which specialized coverage programs are available:
- Georgia Log Truck Insurance
- Georgia Trailer Interchange Insurance
- Georgia Refrigerated Truck Insurance
- Georgia Dump Truck Insurance
- Georgia Owner Operator Insurance
- Georgia Cargo Truck Insurance
- Georgia Moving Truck Insurance
- Georgia Tow Truck Insurance
- Georgia Courier Insurance
- Georgia Contingent Cargo Insurance
- Georgia Deadhead Insurance
Truck Insurance Georgia – Do You Have Enough Coverage?
Both for personal insurance and for commercial insurance, many people and businesses do not have the amount of insurance coverage they probably should, and in most of these cases they are not aware of this fact.
When an accident happens and an insurance claim is paid out, the policyholder is responsible for paying whatever is owed in excess of the amount covered by the insurance company. That’s probably not a big deal the remaining balance is just a few hundred dollars, but what if the remaining balance is many thousands, tens of thousands, or hundreds of thousands of dollars?
The following is a fictional scenario illustrating how this can happen:
James Robert Jones, who goes by Jim Bob, has been a tow trucking driver for a local towing business for most of his adult life, but has always hoped to one day own his own truck and work independently.
One day word reaches Jim Bob about a new company that crowd-sources independently owned tow trucks for towing jobs. It’s described as something like Uber for towing. Jim Bob looks into this further and discovers that many drivers are making almost double his current hourly wage working for this service.
The requirement, of course, is that drivers working for this service must own and operate their own trucks and have commercial auto insurance.
The company specifies that proof of insurance of at least one million dollars is needed.
After taking out a loan to purchase a used tow truck for $21,500, Jim Bob calls various insurance companies to purchase insurance.
To his dismay, he finds that one million of coverage at even the lowest amount of coverage is still almost nine thousand dollars!
Then Jim Bob gets an idea: he will buy the needed insurance so that he can register with the new towing service, allow them to verify that he has proof of insurance, and then drop his insurance down to lower coverage at a cheaper rate until he makes a bit of money up front. Then, once his finances are stable, he will return to the required insurance coverage.
Jim Bob goes through with his plan. After being approved to start working for the service he changes his liability limit from one million to one hundred thousand, gambling that with the influx of hundreds or even thousands of drivers signing up the brand new company won’t take the time to audit his insurance limits until after he’s returned to the proper minimum amount.
After three months of making great money working for the new service Jim Bob is starting to think he’s ready to switch back to the liability limit he was supposed to have had all along. He resolves to make the change at the start of the next month.
A few days later, while eating lunch in his tow truck on the highway, Jim Bob chokes on his hoagie sandwich and loses control of his vehicle. He ends up striking a pedestrian who was walking on the sidewalk.
The pedestrian survived but needed a few costly operations to return to full health. He sues Jim Bob for nine hundred thousand dollars.
Jim Bob’s insurance provider pays Jim Bob’s policy limit of one hundred thousand, leaving no further obligation to defend Jim Bob in the matter.
Ultimately the court orders Jim Bob to pay three hundred thousand dollars to the plaintiff, meaning that all told Jim Bob must find a way to come up with two hundred thousand dollars.
The moral here is that saving money up front at the cost of having the necessary protection in the event of catastrophe is a very risky wager at best.
Georgia Truck Insurance is Available Now!
Call 1-800-998-0662 today and let Pathway Insurance find you some of the very best rates and coverage on your Ga truck insurance.
Alternatively you can click on Truck Insurance Ga Quotes to get a free quote 24/7.
We serve the following Cities in Georgia:
- Owner Operator Insurance Albany Ga,
- Columbus Ga Truck Insurance,
- Warner Robins Ga Owner Operator Insurance,
- Owner Operator Insurance Alpharetta Ga,
- Marietta Georgia Owner Operator Insurance,
- Smyrna Ga Truck Insurance,
- Owner Operator Insurance Valdosta Ga