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

Strongsville Ohio Tow Truck Insurance

Low Rates Available for Strongsville Ohio Tow Truck Insurance – Call Now!

Strongsville Ohio Tow Truck InsuranceIf you are shopping for Tow Truck Insurance in Strongsville Ohio or the surrounding areas then look no further than the knowledgeable agents of Pathway Insurance.

Pathway Insurance, a leading independent insurance agency in Ohio, is prepared with the tools and know-how to bring you excellent rates and coverage on Strongsville Ohio Tow Truck Insurance.

So give us a call right away at 800-998-0662 and speak with one of our licensed agents today.

Our offices are open Monday through Friday 9:00 AM to 5:00 PM (EST).

Strongsville Ohio Tow Truck Insurance – Exclusions of Coverage – Don’t Skip Reading the Fine Print!

Today we will continue to look at exclusions of coverage in the typical commercial auto insurance policy. Exclusions of coverage are specific situations where coverage for a certain type of claim could be denied by the insurance company.

Exclusions of coverage are listed in the commercial auto insurance policy and it’s important to understand what is not covered.

Strongsville Ohio Tow Truck Insurance – Coverage Scenario.

The last time we saw “Penny Pincher” Perry Plumbucket, owner of Pretty Perry’s Punctual Towing Emporium, he had just received a call from one of his tow truck drivers.

While driving down a dark country road, a group of deer ran across the road and the driver, before he had time to react, hit the last one head on causing a significant amount of damage to the tow truck to the tune of $22,624 of damages.

Only one week after Perry files a claim for damage to his tow truck he receives notice from his insurance company informing him that his claim has been denied!

How can this be?

To answer that question, we must take a look at Perry’s policy. Remember that Perry went with a type of coverage called Specified Causes of Loss Coverage?

This kind of coverage only protects your vehicles from damage due to specific causes clearly listed in the policy. So in other words, for coverage to apply the claim event must be listed in his policy.

Here is that section from Perry’s policy:

We will pay for loss to a covered auto or its equipment under Specified Causes of Loss Coverage Caused by:

(1) Fire, lightning or explosion; (2) Theft; (3) Windstorm, hail or earthquake; (4) Flood; (5) Mischief or vandalism; or (6) The sinking, burning, collision or derailment of any conveyance transporting the covered auto.

Do you see something missing?

Yes indeed. Collision with an animal is not listed as a covered peril under the coverage he had chosen. Therefore, it is not covered!

That’s a pretty tough lesson to learn the hard way. Perry writes a check for $22,624 to the body shop to get his tow truck back in running order.

Here’s a follow-up question: a personal automobile insurance policy would have covered a claim due to an accident with an animal.

Why is damage caused by an animal not listed on Perry’s insurance policy?

We will answer that question in next week’s article.

Tow Truck Insurance Strongsville – Call Us Today for Super Low Rates!

Go ahead and make the call to Pathway Insurance today to learn more about our Tow Truck Insurance program.

Our experienced agents are standing by to help you find the coverage you need.

Call 800-998-0662 Monday through Friday 9:00 AM to 5:00 PM (EST). We will shop the market to find the best coverage options on Tow Truck Insurance in Strongsville Ohio or the surrounding areas for your business.  

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

  • Tow Truck Insurance Cuyahoga Falls
  • Tow Truck Insurance Cleveland Ohio
  • Parma Ohio Tow Truck Insurance
  • Toledo Ohio Tow Truck Insurance
  • Dayton Ohio Tow Truck Insurance

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 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 Ohio

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