Truckers Liability insurance Flint, Michigan
Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the “insured”) from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.
Originally, individual companies that faced a common peril formed a group and created a self-help fund out of which to pay compensation should any member incur loss (in other words, a mutual insurance arrangement). The modern system relies on dedicated carriers, usually for-profit, to offer protection against specified perils in consideration of a premium.
Liability insurance is designed to offer specific protection against third-party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract. In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies. When a claim is made, the insurance carrier has the duty (and right) to defend the insured.
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Fleet Insurance Flint, Michigan
Commercial Truck Insurance Flint, Michigan
Flint is the largest city and seat of Genesee County, Michigan, United States. Located along the Flint River, 66 miles (106 km) northwest of Detroit, it is a principal city within the region known as Mid Michigan. According to the 2010 census, Flint has a population of 102,434, making it the seventh largest city in Michigan. The Flint metropolitan area is located entirely within Genesee County. It is the fourth largest metropolitan area in Michigan with a population of 425,790 in 2010. The city was incorporated in 1855.
Flint was founded as a village by fur trader Jacob Smith in 1819 and became a major lumbering area on the historic Saginaw Trail during the 19th century. From the late 19th century to the mid 20th century, the city was a leading manufacturer of carriages and later automobiles, earning it the nickname “Vehicle City”. General Motors (GM) was founded in Flint in 1908, and the city grew into an automobile manufacturing powerhouse for GM’s Buick and Chevrolet divisions, especially after World War II up until the early 1980s recession. Flint was also the home of the Flint Sit-Down Strike of 1936–37 that played a vital role in the formation of the United Automobile Workers.
Since the late 1960s, Flint has faced several crises. The city sank into a deep economic depression after GM significantly downsized its workforce in the area from a 1978 high of 80,000 to under 8,000 by 2010. From 1960 to 2010, the population of the city nearly halved from 196,940 to 102,434. In the mid-2000s, Flint became known for its high crime rates and has repeatedly been ranked among the most dangerous cities in the United States. The city was under a state of financial emergency from 2002–2004 and again from 2011–2015. Since 2014, the city has faced a major public health emergency due to lead contamination in the local water supply that has affected thousands of residents, as well as an outbreak of Legionnaires’ disease due to tainted water.