Truckers Liability insurance Hagerstown, Maryland
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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Owner Operators Insurance Requirements Hagerstown, Maryland
Commercial Truck Insurance Hagerstown, Maryland
Hagerstown /ˈheɪɡərztaʊn/ is a city in Washington County, Maryland,
United States. It is the county seat of Washington County. The population of Hagerstown city proper at the 2010 census was 39,662, and the population of the Hagerstown-Martinsburg Metropolitan Area (extending into West Virginia) was 269,140. Hagerstown ranks as Maryland’s sixth-largest incorporated city.
Hagerstown has a distinct topography, formed by stone ridges running from northeast to southwest through the center of town. Geography accordingly bounds its neighborhoods. These ridges consist of upper Stonehenge limestone. Many of the older buildings were built from this stone, which is easily quarried and dressed onsite. It whitens in weathering and the edgewise conglomerate and wavy laminae become distinctly visible, giving a handsome and uniquely “Cumberland Valley” appearance. Several of Hagerstown’s churches are constructed of Stonehenge limestone and its value and beauty as building rock may be seen particularly in St. John’s Episcopal Church on West Antietam Street and the Presbyterian Church at the corner of Washington and Prospect Streets. Brick and concrete eventually displaced this native stone in the construction process.
Hagerstown anchors the Hagerstown-Martinsburg, MD-WV Metropolitan Statistical Area, which lies just northwest of the Washington-Baltimore-Northern Virginia, DC-MD-VA-WV Combined Statistical Area in the heart of the Great Appalachian Valley. The population of the metropolitan area in 2010 was 269,140. Greater Hagerstown is the fastest-growing metropolitan area in the state of Maryland and among the fastest growing in the United States.
Despite its semi-rural Western Maryland setting, Hagerstown is a center of transit and commerce. Interstates 81 and 70, CSX, Norfolk Southern, and the Winchester and Western railroads, and Hagerstown Regional Airport form an extensive transportation network for the city. Hagerstown is also the chief commercial and industrial hub for a greater Tri-State Area that includes much of Western Maryland as well as significant portions of South Central Pennsylvania and the Eastern Panhandle of West Virginia. Hagerstown has often been referred to as, and is nicknamed, the Hub City. A person born in Hagerstown is officially called a Hagerstonian.