Truck Insurance Georgia

When looking for Commercial Truck Insurance in Georgia, Florida, Tennessee, Kentucky, Indiana, Ohio, Michigan, Maryland, Texas, or Minnesota you have found the right company!

Call 1-800-998-0662 to speak with the truck insurance specialist at Pathway Insurance or talk to a licensed agent 7 days per week using our Chat Feature by clicking our Chat button on the right side of our webpage.

For your convenience, you may submit your information to us online by clicking on Truck Insurance Georgia.

We are a leading Insurance Broker and can help you find the Commercial Truck Insurance you need.

Georgia Truck Insurance – Super Low Rates!

Need low-cost commercial truck insurance in Georgia today? We can help.

No matter if you own tow trucks, dump trucks, log trucks, moving trucks, food trucks, tractor-trailers, small trucks, delivery vans for courier services, or need non trucking insurance Georgia, we can help you find the commercial truck insurance you need.

We offer a number of different Georgia commercial truck insurance programs covering a variety of different business classes. For example we offer specialized programs for: 

Call 800-998-0662 for instant quotes for single commercial vehicles or fleets or click on Commercial Truck Insurance Georgia.

Georgia Truck Insurance Requirements – What Coverage Do You Need?

Certain types of coverage are voluntary, other coverage such as liability is not.

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 – Insurance protection for property damage and bodily injury policyholders are legally obligated to pay due to accidents. The mandatory minimum limits in the state of Georgia are found by clicking on Georgia Liability Insurance Requirements. (Keep in mind these limits may not be acceptable for certain types of trucking risks or if federal filings are required)

While it is certainly true the minimum limits place you in compliance with Georgia state law they will often not be sufficient in the event of moderate to severe accidents you are legally responsible for.

Choose Your Georgia Truck Insurance Coverage Wisely!

Any amounts not paid by insurance would be the responsibility of the employer or driver in the event you are a sole proprietor.  

Example:  Benjamin ‘Big Ben’ has worked for a sand and gravel company for the last 10 years making $15 per hour and working 60 hours per week on average.   Big Ben hears about a new construction project that will need to hire over 100 independent drivers for hauling debris and they are paying $32 per hour with 50 hours per week guaranteed.

The only catch is that the drivers need their own vehicles and commercial insurance. Big Ben contacts the General Contracting Company and they tell him he has a good shot to get hired but he needs the truck and proof of insurance of $1 Million.

Big Ben finds a used 1988 Mack Dump Truck for $18,000 and buys the truck taking out a loan and he calls around looking for the cheapest Georgia Commercial Truck Insurance Policy he can find.

Big Ben is shocked to learn how much money it will cost for full coverage and $1million of coverage so he buys the cheapest dump truck insurance policy in Georgia, yet the cheapest price he finds is almost half the cost of his truck!

Georgia Truck Insurance – Taking Shortcuts May Backfire On You! 

One of Big Ben’s fishing buddies Billy tells Ben to sign up for the insurance and then drop it down to lower limits as soon as proof of insurance is given to them and when you get 1-2 paychecks raise it back up again when you can afford the insurance.

Ben likes that idea and buys a Georgia Dump Truck Insurance Policy from a company and after providing proof of insurance to the General Contracting Company calls the broker the next day to drop full coverage and his liability limits to $100,000 hoping the General Contracting Company won’t notice a zero is missing from his coverage if they so happen to spot check.

After 6 months of working on his own life is good for Big Ben.  He’s making quite a bit more money and there’s a chance after this project is finished, he might be to continue working for himself and maybe even buy another truck and hire his own driver.

There was only 1 small thing Big Ben forgot to do. He forgot to add full coverage back on his truck and increase his limits back to $1 million.

Early on a Saturday morning a bad storm rolls through the area causing a torrential downpour of rain and poor road visibility.  A bicyclist and college student named Stephanie Gilligan is an avid cyclist and she never misses her 20 mile daily ride no matter if it is rain or shine, and this Saturday morning is no exception.

Big Ben receives a text message from Billy wanting to know if he’s wants to go fishing after the storm.  Big Ben takes his eyes off the road for only 2 seconds as he begins to replies to Billy’s text.

In those 2 seconds of distraction, Stephanie who was traveling in the same direction hits a pothole causing her bike to swerve 2 feet into the road and this happened at the exact time Big Ben’s eyes are focused on his cell phone.

The right fender of Big Ben’s dump truck catches Stephanie’s bike and throws her to the right of the truck fortunately.

Big Ben slams on the brakes, hops out and he can see that this young woman is badly injured so he immediately calls 911. Stephanie is transported by air-care to the nearest hospital, Stephanie is alive but if she were thrown to the left of the truck she would not have survived. 

The police interview Big Ben and he freely confesses he was distracted by his cell phone.  The next day Big Ben is fired and 7 days later is sued by Stephany for $1 million for the injuries she sustained.

Big Ben’s insurance company quickly offers the policy limits of $100,000 so they would have no additional requirement to defend Big Ben from Stephanie’s lawsuit and later a judgment of $417,000 is ordered by a jury against Big Ben.

Big Ben is forced to sell his Grandfather’s property he inherited 2 years earlier that he and his friend Billy loved to fish at to pay the judgement in Bankruptcy court.

If only Big Ben kept his original limits of $1 million in place.

Call Pathway Insurance for Commercial Truck Insurance in Georgia.

Speak with one of our licensed representatives today by calling 1-800-998-0662 when you need Georgia Commercial Truck Insurance.

We offer the following types of Commercial Auto Insurance in Georgia:

Licensed agents are available 7 days per week when using our Chat system or you can send your information to us online by clicking on Georgia Commercial Truck Insurance.