Dump Truck Insurance Columbus Ohio

Dump Truck Insurance Columbus Ohio – Call Now!

Dump Truck Insurance Columbus OhioIf you’re seeking Dump Truck Insurance in Columbus Ohio or the nearby areas then you’ve come to the right place. The agents at Pathway Insurance are here to help you with your insurance needs.

Pathway Insurance is a leading independent insurance agency in Ohio, and because of this we have the tools and knowledge necessary to help you find the very best rates, options, and service for Ohio Dump Truck Insurance.

Call us today at 800-998-0662 to speak with one of our commercial auto specialists.

Pathway Insurance can provide excellent insurance programs for all forms of dumping operations, from sand and gravel hauling to debris removal and everything in-between.

Columbus Dump Truck Insurance – Understand Your Policy

Insurance is inherently complicated, but commercial auto insurance is especially complex. There are many facets to commercial insurance policies, so it can be all too easy to misunderstand your coverage or to be lulled into assuming that you are covered for a given scenario when in reality you are not.

Like nearly all insurance policies, commercial auto policies feature exclusions that limit their coverage. Sometimes these exclusions are fairly straightforward, i.e. your dump truck would not be covered for damage to it as a result of an act of war. This simple exclusion is pretty simple to understand and is also relatively unlikely to ever be an issue.

There are other exclusions, however, that are both much trickier to wrap your head around and much more likely to occur in everyday life.

Reading and understanding the exclusions present in your policy is important because it can help you to avoid situations in which your coverage would be nullified, thus shielding you from the dreaded claim denial that could end up costing you thousands of dollars out of your own pocket.

Dump Truck Insurance Columbus Oh – Claims Scenario

Stewart Stump owns and operates a dump truck for his business, Stewart Stump’s Lift, Haul and Dump. Stewart Stump’s is an all-purpose dumping company; they haul dirt, sand, gravel, rubble, debris, and just about anything else one might need a dump truck for.

One breezy Tuesday afternoon, after a long, hot day, Stewart is looking forward to a refreshing shower and a relaxing evening at home to forget about his bad day. He had driven his dump truck all over town today, lugging tons of white sand, chalky gravel, and thick mud for various construction and landscaping projects. He is covered from head to toe in dried mud and fine white powder from all the sediments he’s hauled today.

Stewart’s mood is less-than-cheery at the moment. Just then, a blazing red sports car moving way too fast streaks in front of Stewart on the highway, nearly causing him to lose control of the wheel.

Stewart’s blood begins to boil as he decides to teach this hot-shot a lesson.

To be continued in next week’s article.

Dump Truck Insurance Columbus – Call Today!

Give us a call today at 800-998-0662 or click on Columbus Ohio Dump Truck Insurance to use our convenient online rate quote submission system to get fast quotes and information 24 hours a day.

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

  • Tow Truck Insurance Cleveland Ohio
  • Tow Truck Insurance Cincinnati Ohio
  • Toledo Ohio Tow Truck Insurance
  • Akron Ohio Tow Truck Insurance
  • Dayton Ohio Tow Truck Insurance

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 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