Month: January 2016

Michigan Moving Truck Insurance

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Moving Truck Insurance in Michigan is One Call or Click Away!

For competitive rates on moving truck insurance in Michigan call Pathway Insurance at 1-800-998-0662 or click on moving truck insurance MI to start a quote.

Pathway is a leading independent agency offering competitive insurance solutions for moving truck insurance in Michigan, Ohio, Indiana, Kentucky, Tennessee, Georgia, and Florida directly and in the remaining 43 states by means of our agent referral network. 

Why Do You Need Michigan Moving Truck Insurance?

The most direct answer is to protect your business financially from claims and accidents!

For example.  George and Quinn are brothers and they started a company called GQ Movers.

On a Saturday afternoon as they are moving the Johnston family’s household goods to their new resident address in Midtown a car suddenly pulls out in front of their moving truck from Main Street.

Unfortunately George did not have sufficient time to stop their Freightliner and GQ’s moving truck smashes into the MINI Cooper and completely demolishes the vehicle and sends both passengers to the hospital with severe injuries.

A lawsuit is filed against GQ Movers and a $2 million judgment is assessed against the company.

George and Quinn had the foresight to purchase an umbrella policy in the amount of $5 million in addition to their $1 million base policy.

All it takes is one claim to cause you to permanently close your doors example: Your moving company started off in the early years when friends and family asked you to help them move.

Having the appropriate moving truck insurance also protects your company’s reputation.

This is What Can Happen When You Buy Cheap Moving Truck Insurance in Michigan.

When you purchase insurance based off of what’s cheap, how do you know what’s in your policy?

The old expression you get what you pay for applies just as much in insurance as any other product or service we purchase.

For instance would your Michigan moving truck insurance policy cover damages to items while in transport or as they are unloaded from the truck?

What about vehicle theft or fire?

Often times the cheaper alternative will leave gaps in your coverage. Be sure to check your policy to know what’s covered and what’s not.

What Michigan Moving Truck Insurance Coverage Do You Need?

With the complexities of insurance it’s hard to know what coverage is enough. That’s why our experienced agents can help you obtain the coverage you need for a great price.

Call us at 1-800-998-0662 to speak with an agent, or click on Michigan moving truck insurance to submit your information for a quote.

We also service the following areas:

  • Detroit Moving Truck Insurance
  • Lansing Moving Truck Insurance
  • Moving Truck Insurance Grand Rapids
  • Moving Truck Insurance Warren
  • Sterling Heights Moving Truck Insurance
  • Ann Arbor Moving Truck Insurance
  • Flint Moving Truck Insurance
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Dump Truck Insurance Available

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Fast Quotes on Michigan Dump Truck Insurance Available!

Call 1-800-998-0662 or click on Dump Truck Insurance Michigan to submit your information to us online.
Dump Truck Insurance Michigan

How much is dump truck insurance in Michigan?

It depends on a number of factors including the motor vehicle record of the individual drivers, the value and weight of your dump trucks, the number of trucks you are insuring plus the most important factor, the underwriting company.

Some insurance companies simply have better rates on commercial dump truck insurance than others.

How can you be sure you’re getting good rates?

The authorized agents at Pathway Insurance have extensive experience in dump truck insurance in Michigan, Ohio, Indiana, Kentucky, Tennessee, Georgia and Florida, with an extensive referral network in the remaining states.

We can help you find the coverage you need at a competitive rate.

Don’t Sell Yourself Short with Cheap Dump Truck Insurance in Michigan!

You have probably heard this expression 1000 times or more: You get what you pay for.

The same is true when you’re shopping for dump truck insurance.

Naturally you want good rates but you also need good service from your agent, especially if you need certificates of insurance or other proof of insurance to be sent to companies in which you contract with.

As an agency we go the extra mile to make sure you receive certificates of insurance on time, so your jobs are not delayed.

One Other Important Step Is Necessary to Keep Michigan Dump Truck Insurance Low in Cost. 

Safe driving operation. You should take proactive steps to limit insurance claims by ensuring that not only are your trucks safe, but your drivers operate in a safe and careful manner.

A fully loaded dump truck can cause significant property damage, injuries, or even death.

How can you make sure your dump trucks are safe?

Regular maintenance on your vehicles is a must. In addition it is important to check all of your trucks vital fluids, such as engine oil, hydraulic fluid, transmission, water and power steering.

Make sure the tires are filled properly and free of damage, with the mud flaps securely in place.

Are all the lights working? Make sure to check not only the headlights and break lights, but any overhead strobes, and running lights.

Do not overload your vehicle. Dump trucks when fully loaded may handle differently so be sure that your drivers are properly trained to make the necessary adjustments. Be mindful of road conditions so you don’t over steer and allow for extra stopping distance.

It is dangerous to sit inside the cab while it is being loaded because of falling debris. Be sure to cover your load to avoid loose material from falling out.

After you remove your load be sure to lower your bed right away to reduce instability.

Maintaining proper equipment, hiring drivers with good driving records will help you to keep your rates low.

Great Rates on Michigan Dump Truck Insurance Are One Call or Click Away!

Let Pathway Insurance be your partner in safe driving by calling 1-800-998-0662 to speak with a licensed agent, or for an online quote click Michigan dump truck insurance.

We service many communities in Michigan including:

  • Dump Truck Insurance Detroit
  • Dump Truck Insurance Ann Arbor
  • Grand Rapids Dump Truck Insurance
  • Lansing Dump Truck Insurance
  • Dump Truck Insurance Flint
  • Dump Truck Insurance Kalamazoo
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Tow Truck Insurance Ohio

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Great Rates on Ohio Tow Truck Insurance – Online Agents Available 7 Days per Week.

Tow Truck Insurance OhioWhen searching for Tow Truck Insurance in Ohio, Michigan, Indiana, Minnesota, Kentucky, Tennessee, Georgia, or Florida contact Pathway Insurance online 7 days per week by clicking Tow Truck Insurance Ohio or you may reach a live agent Monday – Friday 9AM to 5:30 PM by dialing 1-800-998-0662. (EST)

Online agents are available up until 5:30 PM EST to complete new quotes, issue policies, send certificates of insurance, or file claims for those insured with our company.

Pathway Insurance is an authorized independent agency representing a number of companies offering competitive rates for tow truck insurance in Ohio, Michigan, Minnesota, Indiana, Kentucky, Tennessee, Georgia, and Florida directly and in the remaining states through our authorized agent network.

This is Why You Should Not Buy Cheap Tow Truck Insurance in Ohio.

The word cheap can be taken a few different ways.  Something cheap may not be of value when you need it most.  A cheap suit may quickly wear out and cheap food may give you indigestion or sit like a lead weight in your stomach.

Likewise buying cheap tow truck insurance in Ohio may lead to broken promises and claim denials!

Tow truck insurance is a so much more complicated than the price you pay for it.  Because of this it is important to work with Pathway Insurance as we can help you find the coverage you need.

Click Tow Truck Insurance Ohio to send us your information right now.

Ohio Tow Truck Insurance Policies Include Exclusions of Coverage, Don’t Skip the Fine Print!

Commercial truck insurance policies contain terms and conditions and exclusion of coverage so it is important that you become familiar with what is covered or not covered.

Example of one activity not covered under the Ohio Tow Truck Insurance Policy: Expected or Intended Injury.

Bodily injury or property damage either expected by or caused intentionally by or at the direction of any insured.

Let’s consider a claims scenario to see how this exclusion could come into play.

Henry Finnegan works for Veracity Towing Services and is a bit of a hothead and loses his temper quite easily. Henry is dispatched over to South Street to pick up and illegally parked 1999 Ford Taurus.

The police have already issued a ticket to the owner and had left the scene just as soon as Henry arrives.  As Henry finalizes hooking up the Ford Taurus and is getting ready to leave the owner of the vehicle, Ted Stevens shows up and demands that Henry unhook his car.

Henry requires that Ted show proof of ownership and advises he will need to pay a fee for him to unhook the vehicle.

Ted had been partying all night long and is half drunk and in a very argumentative mood so he tells Harry to stick it where the sun doesn’t shine.  Henry with a bit of edge to his voice advises Ted that he can pick his car up at the city impound lot.

This send Ted into a rage and he begins to yell and scream at the top of his lungs and Henry gets into his tow truck to leave the scene before he decks this obnoxious drunk.

With liquid courage flowing through his veins Ted decides to stand in front of the tow truck so Henry can’t leave.  Henry blows the horn at Ted a few times and decides to give Ted a small nudge with the truck.  He moves his tow truck forward just a few inches without hitting Ted to try to scare him.

Ted believes Henry is going to run him over and he trips and falls down hitting his head on the asphalt pavement.

Henry calls the police and they arrive and take a statement from Henry and Colin in the list to transport Ted to the hospital.  10 days later a lawsuit is filed against Veracity Towing Services naming Henry as a defendant for running Ted over with the tow truck.

Will the policy issued to Veracity Towing Services pay for this claim or defend Henry for his allegedly running Ted over with his tow truck?

We will consider this answer in a future article to see how things turned out.

Ohio Tow Truck Insurance Is One Click or Call Away!

Licensed agents are available seven days per week online when you click on Tow Truck Insurance Ohio.

If you would like to speak with an agent by telephone call 1-800-998-0662 to speak with our Tow Truck Insurance Specialist Monday through Friday 9 AM to 5:30 PM Eastern standard Time.

Our tow truck program is available in all 50 states including the following cities of Ohio:

  • Tow Truck Insurance Columbus Ohio
  • Cleveland Ohio Tow Truck Insurance
  • Tow Truck Insurance Cincinnati Ohio
  • Toledo Ohio Tow Truck Insurance
  • Tow Truck Insurance Akron Ohio
  • Dayton Ohio Tow Truck Insurance
  • Parma Ohio Tow Truck Insurance
  • Tow Truck Insurance Canton Ohio
  • Tow Truck Insurance Youngstown Ohio