Dayton Tow Truck Insurance

Dayton Tow Truck Insurance – Call Now!

Dayton Tow Truck InsuranceLooking for the best rates on Tow Truck Insurance in Dayton Ohio and the nearby areas? Then you’ve come to the right place.

We are Pathway Insurance, a leading insurance agency in Ohio. As an independent agency we have the tools necessary to help our customers find appropriate and affordable coverage on Tow Truck Insurance in Ohio.

You can call us today at 800-998-0662 to speak with one of our friendly and experienced agents.

Dayton Ohio Tow Truck Insurance – Exclusions of Coverage. 

This week we will continue the theme of exclusions of coverage. To jog your memory in case you forgot what that means, exclusions of coverage are specific situations pointed out in the language of an insurance policy for which coverage would not be approved by the insurance company.

At Pathway Insurance, the advice we give our policyholders when it comes to exclusions of coverage is to read your policy very carefully

If you want to know what is and, more importantly, is not covered on your Ohio Tow Truck Insurance policy so that you aren’t hit with a surprise in the future, then reading the policy truly is the best way to achieve that. 

With that in mind let’s continue our claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage.

Tow Truck Insurance Dayton Ohio – Coverage Scenario. 

When last we left off, Jeff had filed a lawsuit Pro Se (meaning he will be representing himself instead of hiring a lawyer) against his employer, Walter’s Repair and Tow.

Shortly after filing the suit, however, Jeff received a phone call from the attorneys representing Walter’s insurance company informing Jeff that he simply has no grounds for a case. If he doesn’t drop the lawsuit, they say, then they threaten to petition the judge for a Declaratory Judgment.

Jeff ambles over to his computer and hurriedly looks up the definition of a declaratory judgment on Wikipedia;

“…a form of legally binding  preventive adjudication by which a party involved in a… legal matter can ask a court to conclusively rule on… the rights, duties, or obligations of one or more parties in a civil  dispute” -Wikipedia

From what Jeff can gather, it sounds like a declaratory judgment could mean his lawsuit will be dead before it ever reaches court. 

Furthermore, the lawyers point out that though Jeff might be eligible for workers compensation under his employer’s policy, his wife certainly is not. The attorneys point Jeff to the following excerpt from the insurance policy covering Walter’s Repair and Tow:

Employee Indemnification and Employer’s Liability Bodily injury to:

  1. An employee of any insured arising out of or within the course of:
    • That employee’s employment by any insured; or
    • Performing duties related to the conduct of any insured’s business; or
  2. The spouse, child, parent, brother or sister of that employee as a consequence of Paragraph 1. above.

Put more succinctly, coverage is excluded for bodily injury to the spouse of the employee as a consequence of the employee’s employment. And since Jeff’s wife was injured as a direct result of Jeff’s duties while on the job, she would not be covered.

Crestfallen from the knowledge that his case has no grounds, Jeff ultimately drops the lawsuit. He is fired from his towing job and has to start liquidating all the fancy stuff he bought with the settlement money from the first lawsuit to come up with money for his wife’s medical bills.

Dayton Tow Truck Insurance – Call Us Today!  

If Jeff had understood the language of his employer’s policy as it relates to him as an employee then he might have thought twice about arguing with his wife while on the job and saved them both from injury and financial loss.

You can avoid these pitfalls by calling the agents at Pathway Insurance for answers to your questions about Dayton Tow Truck Insurance. 

Our number is 800-998-0662, and we’re available Monday through Friday 9:00 AM to 5:30 PM (EST).

We can shop the market for you to find the best coverage options on Tow Truck Insurance in Dayton Ohio.  

We also offer Ohio Tow Truck Insurance in the following areas:

Tow Truck Insurance Middletown Ohio

Tow Truck Insurance Middletown Ohio – Call Us Today!

Tow Truck Insurance Middletown OhioIf you happen to be searching for Tow Truck Insurance in Middletown Ohio and the nearby areas your search is over!

Pathway Insurance is a leading insurance agency in Ohio, and because we are an independent agency we have the tools and knowledge to help business owners like you find the coverage and rates they need on Tow Truck Insurance in Ohio. 

Call us today at 800-998-0662 to speak with one of our licensed agents. We are available to answer any and all questions you may have about your insurance needs. 

Tow Truck Insurance Middletown Ohio – Exclusions of Coverage. 

In keeping with our theme, this week’s article will once again focus on exclusions of coverage. To refresh your memory, exclusions of coverage are specific situations pointed out in the language of an insurance policy for which coverage would not be approved by the insurance company.

And because we can’t stress this enough, we’d like to state yet again that the best advice we can give when it comes to exclusions of coverage is to read your policy very carefully

It really is the most effective way to fully understand what is but even more importantly not covered on your Ohio Tow Truck Insurance policy so that you aren’t caught off guard in the future. 

Let’s continue our claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage.

Middletown Ohio Tow Truck Insurance – Coverage Scenario. 

Jeff Johannson , known around town for having won a hefty sum of money from a questionable lawsuit a few years back, is attempting to go to court once again. He and his wife were injured while Jeff was on the job as a tow truck driver, and Jeff sees an opportunity to score another big settlement from the situation.

When last we left Jeff, he had just filed a lawsuit against his employer, Walter’s Repair and Tow. To save money up front, he also decided to file Pro Se, meaning he will be representing himself instead of hiring a lawyer.

Not long after filing the suit, Jeff gets a phone call from the attorneys representing Walter’s insurance company. They tell Jeff that he simply has no grounds for a case, and that if he doesn’t drop the lawsuit then the attorneys will petition the judge for a Declaratory Judgment.

What is a Declaratory Judgment?  In next week’s final post we will consider that answer to that question and learn whether or not Jeff has any recourse for the injuries he and his wife sustained.

Tow Truck Insurance Middletown Ohio – Call Us Today!  

Do you have questions about exclusions in your own policy?  Call the experienced agents at Pathway Insurance today for answers to your questions about Ohio Tow Truck Insurance. 

You can reach us at 800-998-0662 Monday through Friday 9:00 AM to 5:30 PM (EST).

We will shop the market for you to find the best coverage options on Tow Truck Insurance in Middletown Ohio.  

We also offer Ohio Tow Truck Insurance in the following areas:

  • Cincinnati Tow Truck Insurance
  • Tow Truck Insurance Springboro Ohio
  • Dayton Ohio Tow Truck Insurance
  • Tow Truck Insurance Hamilton Ohio
  • Richmond Ohio Tow Truck Insurance

Tow Truck Insurance Columbus Ohio

Tow Truck Insurance Columbus Ohio – Call Today!

Tow Truck Insurance Columbus OhioIf you’re looking for Tow Truck Insurance in Columbus Ohio and the nearby areas then look no further than Pathway Insurance. 

As a leading independent agency in Ohio, Pathway Insurance has the experience and knowledge to help business owners like you find the coverage and rates they need on Tow Truck Insurance in Ohio. 

Call us today at 800-998-0662 to speak with one of our licensed professionals. We are here to answer any and all questions related to your insurance needs. 

Tow Truck Insurance Columbus Ohio – Exclusions of Coverage. 

In this week’s article we’re continuing the exclusions of coverage theme. To recap, exclusions of coverage are specific situations pointed out in the language of an insurance policy for which coverage would not be granted by the insurance company. 

As we’ve said before, the best advice we can give at Pathway Insurance when it comes to exclusions of coverage is to read your policy very carefully

It is the most reliable way to fully understand what is and is not covered on your Ohio Tow Truck Insurance policy. 

The following is a claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage. Let’s see how it concludes:

Columbus Ohio Tow Truck Insurance – Coverage Scenario. 

You may recall that Jeff Johannson  drives a tow truck for a towing company, and he’s known around town for having won a hefty sum of money from a lawsuit a few years back.

When last we left Jeff, he and his wife had just been injured while Jeff was on the job. He was too busy arguing with his wife, whom he was giving a ride to the casino, to notice that he had improperly attached the hook of his tow truck to a customer’s car. The car came loose and rolled on top of the couple.

With his arm broken and his wife in the emergency room, Jeff sees another opportunity to make easy money.

Jeff thinks he can file a lawsuit against his employer, Walter and obtain a large 6 figure settlement. Jeff realizes he’ll quickly get fired by Walter but believes the big settlement will be worth it, plus he will be able to collect unemployment after getting the axe.

Jeff writes up the lawsuit using big legal terms such as loss of consortium and untold pain and suffering to make his case.  Jeff knows that his boss has $5 million of coverage and plenty of money in the bank and expects a quick and large settlement from Walter’s insurance company.

Jeff prepares his lawsuit papers, and files them at the court house after paying his fee.

Is Jeff getting ready to make his second big pay day?

We will learn the answer in next week’s post to see what happens.

Tow Truck Insurance Columbus Ohio – Call Us Today!  

It’s super important to understand how your coverage works when you purchase Tow Truck Insurance in Columbus Ohio and the nearby areas.

If you have questions about insurance exclusions call the agents at Pathway Insurance today for answers to your questions about Tow Truck Insurance. 

Call 800-998-0662 Monday through Friday 9:00 AM to 5:30 PM  (EST). We will shop the market for you to find the best coverage options on Tow Truck Insurance in Columbus Ohio.  

We also offer Ohio Tow Truck Insurance in the following areas:  

  • Delaware Ohio Tow Truck Insurance
  • Newark Tow Truck Insurance
  • Tow Truck Insurance Chillicothe
  • Tow Truck Insurance Springfield Ohio
  • Dayton Ohio Tow Truck Insurance

Tow Truck Insurance Cincinnati

Low Rates & Same Day Coverage – Tow Truck Insurance Cincinnati.

Tow Truck Insurance CincinnatiSearching for a great deal on Tow Truck Insurance in Cincinnati and the surrounding areas? If so contact Pathway Insurance at 513-662-7000 to speak with one of our licensed agents Monday through Friday 9 AM to 5:30 PM.

We offer competitive rates for brand-new tow companies and those in business for many years.

Pathway Insurance is leading independent agency offering a highly competitive program for Tow Truck Insurance in Ohio, Indiana, Michigan, Kentucky, Minnesota, Tennessee, Georgia, and Florida.

We are one of the only companies open seven days per week for Tow Truck Insurance Quotes.

If you find us on the weekend use our online system by clicking on Tow Truck Insurance Cincinnati and one of our licensed agents will get back with you up until 5:30 PM on the weekend.

Keep This in Mind When Shopping for Cincinnati Tow Truck Insurance:

You will get the best deal only through an independent agency like Pathway Insurance. A few companies sell tow truck insurance direct, however you need to keep in mind there isn’t a single insurance company that can offer the best rate for every circumstance and situation.

If you’re a brand-new company few insurance companies will offer quotes.

Why??

It’s for the simple reason you do not have a track record.  While it’s true that new business ventures are formed on a daily basis across United States for Tow Truck Companies, many insurance companies are looking for a historical record to see if you meet their underwriting guidelines.

If you lack a historical track record, many companies selling Tow Truck Insurance in Ohio will avoid your company until you have at least one to three years of business experience with continuous insurance and no lapse in coverage.

Tow Truck Insurance Cincinnati – Coverage for Startups and Well-Established Companies Available.

Don’t worry if you are a brand-new startup operation. We can help you find the coverage you need for your business.

Call 513-662-7000 or click on Tow Truck Insurance Cincinnati and one of our licensed agents will call you as soon as possible.  We are available up until 5:30 PM on the weekends.

You will not be able to reach a live agent Saturday or Sunday by telephone but must use our online system. (Our agents are on call on the weekends, but available.)

If you find our website on the weekends and you are not located in Cincinnati click on the below links for new quotes:

·        Tow Truck Insurance Hamilton Ohio

·        Harrison Ohio Tow Truck Insurance

·        Tow Truck Insurance Milford Ohio

·        Tow Truck Insurance Hillsboro Ohio

·        Newport Kentucky Tow Truck Insurance

·        Covington Kentucky Tow Truck Insurance

·        Tow Truck Insurance Florence Kentucky

·        Tow Truck Insurance Erlanger Kentucky

Tow Truck Insurance Dayton Ohio

Tow Truck Insurance Dayton Ohio – Fast Quotes and Coverage Seven Days per Week. 

Tow Truck Insurance Dayton OhioWhen searching for Tow Truck Insurance in Dayton Ohio or the surrounding areas the best number to call for low rates and fast coverage is 1-800-998-0662

Licensed agents are available by telephone MondayFriday until 5:30PM or if you use our online system seven days per week up until 5:30 PM

To use our online system click on Tow Truck Insurance Dayton Ohio

Pathway Insurance offers a specialized program for Garages, Car Dealerships, and Towing Service Companies throughout the United States. 

Three Steps to Low Cost Dayton Ohio Tow Truck Insurance.

Notice the three steps listed below that will help you save money on your Ohio Tow Truck Insurance in order of importance:

Step OneAllow us to shop the market for your insurance.  Insurance companies do not all charge the same prices.  We represent a number of companies offering tow truck insurance in Dayton Ohio and throughout the state.

All Insurance companies go through cycles. Some are raising rates, some are lowering rates at the same time and quite a few agents want to keep you with the same company no matter what cycle your insurance company is in.

We are happy to shop the market for all of our existing customers anytime they request quotes.

For new customers we offer Tow Truck Insurance in Michigan, Ohio, Indiana, Kentucky, Minnesota, Tennessee, Georgia, and Florida seven days per week.

Step Two – Avoid hiring employees that have bad driving records. One of the best ways to make your premiums skyrocket is to employ or hire drivers with multiple tickets and accidents on their record.

If one of your employees is accident-prone think about encouraging them to find employment elsewhere.

Keep in mind one of your employees could sink your business financially… Imagine employing an individual who gets you canceled and you cannot find an insurance company willing to provide insurance.

Step Three Improve your credit score. Did you know some companies will take into consideration your business or personal credit, and some companies are not taking into consideration your credit score.

Let’s assume you have a 750 FICO score or better. If the company you are currently insured with doesn’t take credit into consideration you are almost guaranteed to be paying 30 to 40% more than necessary.

What if you have bad credit and you’re insured with a company that uses credit?  You are paying 30 to 40% more than a company not using credit.

We represent Ohio Tow Truck Insurance Companies that use credit and those who do not. Click on Dayton Ohio Tow Truck Insurance Quotes to send us your request for an online quote seven days per week.

You may save thousands.

Dayton Ohio Tow Truck Insurance – Low Rates & Same Day Coverage.

Call Pathway Insurance at 1-800-998-0662 when you’re shopping for tow truck insurance in Dayton Ohio or any of the surrounding areas.

We offer competitive rates and coverage seven days per week for tow truck insurance in Ohio, Michigan, Indiana, Minnesota, Kentucky, Tennessee, Georgia, and Florida.

Or use our convenient online submission system seven days per week by clicking on any of the links below:

·        Dayton Ohio Tow Truck Insurance

·        Tow Truck Insurance Kettering Ohio

·        Tow Truck Insurance Beavercreek Ohio

·        Englewood Ohio Tow Truck Insurance

·        Springfield Ohio Tow Truck Insurance

·        Tow Truck Insurance Xenia Ohio

Tow Truck Insurance Akron

Tow Truck Insurance Akron – Quotes & Coverage Available Seven Days per Week. 

Tow Truck Insurance AkronIf you need coverage for Tow Truck Insurance in Akron Ohio or the surrounding areas you have found the right website!

Pathway Insurance is a leading independent agency offering a super competitive program for Tow Truck Insurance in Ohio, Michigan, Indiana, Minnesota, Kentucky, Tennessee, Georgia, and Florida.

Call 1-800-998-0662 to speak with a license agent right now!  Agents are available by telephone Monday through Friday 9 AM to 5:30 PM.

Online agents are available seven days per week when you click on: Tow Truck Insurance Akron Ohio.

Important Details You Should Not Overlook When Shopping for Akron Ohio Tow Truck Insurance.

Missing important coverage from your tow truck insurance policy can spell disaster for you when you file a claim for coverage you lack.

Example: Missing On Hook Coverage.

What is On Hook Coverage?

Notice how one policy endorsement reads:

  1. Coverage- . “We” will pay damages, other than punitive or exemplary damages, for which an insured is legally liable because “property damage” to a “towed auto” or “towed watercraft” caused by the following:
  • Fire or Explosion;
  • Theft;
  • Mischief or Vandalism;
  • Collision 

“We” will defend any lawsuit for damages payable under this Endorsement or settle any claim for those damages as “we” think appropriate.

Claims Example: Fabulous Fred’s Towing Service was founded by Fred Johnston. He scraped together enough money in combination with a loan from a local finance company to buy his first tow truck and he is ready for business.

Fred now needs to buy insurance for his first tow truck.  He’s quite shocked to learn how much it truly costs for tow truck insurance in Akron Ohio.

Fred decides to buy the cheapest insurance option possible and he’s in business.  About three weeks later Fred picks up Daphne Stefansson’s broken down Ford truck to transport it to a local garage.

He hooks up Daphne’s car and away he travels south on 71.

A passing motorist going about 30 miles over the posted speed limit in a BMW cuts in front of Fred and he slams on his brakes to avoid smashing the BMW flat.

With the sudden stop Daphne’s truck comes loose and the bumper is torn off and obviously needs to be replaced.  Daphne expects Fred to pay the $3,000 for a new bumper.

Fred turns a claim into his insurance company and they turn him down flat because he did not purchase On Hook Coverage.

Fred does his best to dodge all of Daphne’s telephone calls until she files a lawsuit against him in Small Claims Court and Fred is forced to pay $3000 out-of-pocket.

What lesson can we learn?

It’s important to purchase the needed coverage to cover claims that occur.

Tow Truck Insurance Akron – Call Today!

Call 1-800-998-0662 to speak with a license agent right now!  Agents are available by telephone Monday through Friday 9 AM to 5:30 PM.

Online agents are available seven days per week when you click on: Tow Truck Insurance Akron Ohio.

Let us shop the market for you to find the best Ohio Tow Truck Insurance Quotes.

We also offer Tow Truck Insurance in the following areas:

  • Cuyahoga Falls Ohio Tow Truck Insurance
  • Tow Truck Insurance Tallmadge Ohio
  • Tow Truck Insurance Wadsworth Ohio
  • Barberton Ohio Tow Truck Insurance
  • Tow Truck Insurance Fairlawn Ohio

Tow Truck Insurance Cincinnati Ohio

Great Rates on Tow Truck Insurance Cincinnati Are One Call or Click Away!

 

Tow Truck Insurance Cincinnati OhioLooking to save money on your Tow Truck Insurance in Cincinnati, Northern Kentucky, or any of the surrounding areas? 

If so we can help. We have specialized programs for both new and existing companies for auto repair garages, car dealerships, and towing only operations. 

Even if you have been turned down by other companies we have markets available that other insurance brokers do not have access to. 

Pathway Insurance is a leading independent agency offering Tow Truck Insurance in Ohio, Kentucky, Indiana, Michigan, Tennessee, Minnesota, Georgia, and Florida by phone or online seven days per week. 

Click on Cincinnati Tow Truck Insurance to send us your request for quotes online 7 days per week. 

New Ohio Tow Truck Program May Save You Thousands!

Truck insurance is expensive and this new program may save your company thousands per year for the exact same coverage. One policyholder saved over $100,000! 

What coverage is available? 

  • Commercial Auto Insurance up to $1 Million.
  • On Hook Coverage up to $50,000
  • Cincinnati Garage Keepers Insurance
  • Coverage for Your Owned Buildings and Business Personal Property. 

What Qualifications Must You Meet for This New Ohio Tow Truck Insurance Program? 

·        Your company must be in business for at least three years with continuous Tow Truck Insurance Coverage.

·        Your trucks must be less than 15 years of age.

·        You must have an acceptable loss history.

·        Drivers with SR 22’s will not qualify.

·        Drivers less than 21 years of age are unacceptable.

·        No more than one out of service or safety violation

·        No repossession work of any kind 

What If Your Company Does Not Meet These Qualifications? 

We have other insurance companies that can provide quotes to you for your Cincinnati Tow Truck Insurance needs. For instance if you are a brand-new company, or have had claims that lead to a company cancellation, or your drivers require SR 22’s we can find the coverage you need. 

Call Pathway Today When You Need Tow Truck Insurance in Cincinnati. 

Licensed agents are available seven days per week when you use our online system by clicking on Tow Truck Insurance Cincinnati Ohio. Or if you find us during normal business hours call 513-662-7000 to speak with one of our licensed agents. 

We are open from 9 AM to 5:30 PM Monday through Friday

Need tow truck insurance in other areas?  Note the below areas we service: 

  • Middletown Ohio Tow Truck Insurance
  • Tow Truck Insurance Batavia Ohio
  • Hamilton Ohio Tow Truck Insurance
  • Tow Truck Insurance Milford Ohio
  • Loveland Ohio Tow Truck Insurance
  • Tow Truck Insurance Covington Ky
  • Newport Kentucky Tow Truck Insurance
  • Tow Truck Insurance Harrison Ohio

Tow Truck Insurance Toledo Ohio

Tow Truck Insurance Toledo Oh – Quotes and Coverage Available Seven Days per Week!

Tow Truck Insurance Toledo OhioLooking for the best deal on Tow Truck Insurance in Toledo Ohio and the surrounding areas?  If so contact Pathway Insurance at 1-800-998-0662 or click on Tow Truck Insurance Toledo Oh to send us your information for quotes online.

Pathway Insurance offers competitive Tow Truck Insurance in Ohio, Michigan, Indiana, Kentucky, Minnesota, Tennessee, Georgia, and Florida plus we are connected to an agent referral service available in all 50 states.

Online agents are available seven days per week for completing quotes, issuing policies, taking payments, issuing certificates of insurance, and filing claims until 5:30 PM.

Agents by telephone are available Monday through Friday 9 AM to 5:30 PM. (EST) 

Shopping for Tow Truck Insurance in Toledo Ohio Is Challenging!

The reason why it is can be challenging and sometimes frustrating is because so few insurance underwriters offer tow truck insurance, even if it’s incidental to your garage operation.

If you call 100 companies offering business insurance in Ohio, only 10-15 offer tow truck insurance in the state of Ohio!

Some of the biggest insurance companies that advertise non-stop on television do not underwrite tow truck insurance!

We offer quotes seven days per week when you click on Tow Truck Insurance Toledo Oh. 

Why Most Insurance Companies Refuse to Underwrite Tow Truck Insurance:

It’s actually a simple answer. The majority of companies do not want to insure tow truck operation simply because the claims experience in this class of business tends to be significantly higher than average compared to other commercial auto risks, so most insurers avoid tow truck operations.

As was mentioned above there are more than hundred companies offering business auto insurance in the state of Ohio, yet only a handful of companies will insure Towing Operations and Garage Operations.

Fortunately we represent a number of companies offering competitive solutions for Garages, Car Dealerships, and companies that only offer Towing Services.

Tow Truck Insurance Toledo Ohio – What about Insurance for Repossession Work?

Great question. Usually if repo work consists of more than 10% of your annual receipts the typical insurance company underwriting tow truck risks will turn your company down!For instance if you generate $500,000 per year in annual receipts and repo work is $50,000 or more, most insurers will turn you away!

However it is possible to obtain commercial tow truck insurance even if the customer is engaging in 100% repo work!   You’re not going to like the premium rate certainly, but there are few choices available for towing operations that specialize in repo work.

What Happens If I Forget to Tell the Insurance Company about My Repo Work?

This could spell trouble for you when you have a claim.  Insurance companies rely upon the statements policyholders make on the application to determine if that towing operation would qualify.

If a company would ordinarily decline a company for doing repo work and you failed to notify the insurer you are engaged in repo work, you will be facing a claim denial down the road.

Note how this reads in one policy:

Fraud or Misrepresentation

This policy was issued in reliance upon the information provided on your insurance application.

We may void this policy at any time, including after the occurrence of an accident or loss, if you:

  1. Made incorrect statements or representations to us with regard to any material fact or circumstance;
  2. Concealed or misrepresented any material fact or circumstance; or
  3. Engaged in fraudulent conduct; at the time of application.

This means that we will not be liable for any claims or damages that would otherwise be covered.

Don’t hide what you are doing from the insurance company… That decision may come back to haunt you later.

Tow Truck Insurance Toledo Ohio – Fast Quotes and Coverage Seven Days per Week!

As a leading independent agency we can help you find the coverage you need for your business.

Use our online system available seven days per week by clicking on Tow Truck Insurance Toledo Ohio or contact us by telephone Monday through Friday 9 AM to 5:30 PM. (EST)

Our office number is 1-800-998-0662.

Need insurance in other areas?  Learn about our service area nearby:

  • Tow Truck Insurance Oregon Ohio
  • Maumee Ohio Tow Truck Insurance
  • Tow Truck Insurance Sylvania Ohio
  • Northwood Ohio Tow Truck Insurance
  • Tow Truck Insurance Walbridge Ohio

Tow Truck Insurance Cleveland Ohio

Tow Truck Insurance Cleveland Ohio – Call Today!

Tow Truck Insurance Cleveland Ohio

If you’re looking for Tow Truck Insurance in Cleveland Ohio and the nearby areas then you’ve come to the right place. 

Pathway Insurance, a leading independent agency in Ohio, has the tools and know-how to help you find the right coverage and best rates for Tow Truck Insurance in Ohio. 

Call us today at 1-800-998-0662 to speak with one of our licensed professionals. They’re here to answer any and all questions related to your insurance needs. 

Tow Truck Insurance Cleveland Ohio – Exclusions of Coverage. 

This week we’re continuing the exclusions of coverage theme. To recap, exclusions of coverage are specific situations pointed out in the language of an insurance policy for which coverage would not be granted by the insurance company. 

At Pathway Insurance, the best advice we can give you when it comes to exclusions of coverage is to read your policy very carefully

It is the best way to fully understand what is and is not covered on your Ohio Tow Truck Insurance policy. 

The following is a claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage: 

Cleveland Ohio Tow Truck Insurance – Coverage Scenario. 

Jeff Johannson drives a tow truck for a company called Walter’s Repair and Tow. He’s known around town by many as a bit of a sleazy guy always trying to make a fast buck at the expense of others. 

This is largely due to the fact that a few years back Jeff won a fairly hefty sum of money in a controversial civil suit. Jeff claimed that he had injured himself after slipping on some spilled product in a grocery store, and sued the Mom and Pop business for damages. 

The owners of the store claimed Jeff had engineered the injury, but ultimately the court ruled in Jeff’s favor.

In the time since winning the case, Jeff’s eyes have been bigger than his wallet, and nearly all of the settlement money has dried up. Needless to say, Jeff is on the lookout for a new opportunity for some quick cash. 

One breezy Tuesday afternoon, Jeff’s wife calls him while he’s on the job and tells him she needs a ride to the casino because her car won’t start. Not wanting to make her angry, Jeff grudgingly picks her up on the way to his next towing job. 

The drive to the customer isn’t a long one, but it feels like an eternity for Jeff as he and his wife nag and complain with each other, as they often do. When they arrive, Jeff tells his wife to stay in the truck while he hitches up the car, but she follows him out, anyway. The customer just stares awkwardly as the two go at it as if he’s not even there. 

Jeff is becoming so irate that he’s no longer paying much attention to what he’s doing. Without realizing it, he does not properly secure the attachment to the car. After using his tow truck’s arm to hoist the car up onto its rear wheels, Jeff finally notices that he’s been arguing with his wife in front of a customer. 

Embarrassed, he beckons his wife to come around behind the truck with him for a moment to quietly finish the matter. 

While the couple attempts to end their argument, the improperly attached car comes unhinged and rolls backward. Before they can react, the two are bowled over by the car’s weight and momentum. 

When Jeff comes to, he notices that his arm might be broken and his wife is completely unresponsive and she’s rushed to the emergency room. 

Jeff thinks he might be able to figure out a way to sue his employer for this accident… and he smiles with devious delight. 

Tow Truck Insurance Cleveland Ohio – Call Today!  

Be sure to check out next week’s article to find out what Jeff does next, and how understanding the language of a policy would affect the outcome.  

Or you can call the knowledgeable agents at Pathway Insurance today for more questions about Ohio Tow Truck Insurance. 

Call 1-800-998-0662 Monday through Friday 9:00 AM to 5:30 PM (EST). We will shop the market for you to find the best coverage options on Tow Truck Insurance in Cleveland Ohio.  

We also offer Ohio Tow Truck Insurance in the following areas: 

  • Columbus Ohio Tow Truck Insurance
  • Akron Ohio Tow Truck Insurance
  • Cincinnati Ohio Tow Truck Insurance
  • Tow Truck Insurance Hamilton Ohio