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

Cleveland Heights Tow Truck Insurance

Cleveland Heights Tow Truck Insurance – Call Us Today!

Cleveland Heights Tow Truck Insurance

If you’re searching for the best rates on Tow Truck Insurance in Cleveland Heights Ohio and the surrounding areas then you’ve found the right place.

We are Pathway Insurance, a leading independent 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.

Give us a call today at 1-800-998-0662 to speak with one of our licensed insurance agents.

Cleveland Heights Ohio Tow Truck Insurance – Exclusions of Coverage. 

This week we will continue the theme of exclusions of coverage. Just in case you’ve forgotten what exclusions of coverage are, we define them as specific situations pointed out in the language of an insurance policy for which coverage would not be approved by the insurance company.

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

You want to know what is and, more importantly, is not covered on your Ohio Tow Truck Insurance policy so that you can’t be blindsided by a claim denial down the road. Reading the policy really is the best way to achieve that. 

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

Tow Truck Insurance Cleveland Heights – Coverage Scenario. 

When we left off, the lawyer representing Walter’s Repair and Tow contacted Jeff to persuade him to drop the case, or else they will petition the judge for a declaratory judgment.

When Jeff still does not back down, the lawyer suggests that he may be eligible for workers compensation under Walter’s Repair and Tow’s policy.

Jeff continues to hold out for a bigger payout, however, so the lawyer tells Jeff that he’ll email him a copy of Walter’s tow policy and highlight what it says in regards to Jeff’s situation.

The next morning Jeff opens an email in his inbox from the lawyer. Attached is a copy of Walter’s policy with a particular section highlighted:

Employee Indemnification and Employer’s Liability Bodily injury to:

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

So while Jeff might be eligible for workers compensation under his employer’s policy, his wife certainly is not.

Out of anger, Jeff doubles down. He rants belligerently about how he’ll have his day in court. Just as the lawyer promised, within weeks the judge issues a declaratory judgment that effectively quashes Jeff’s lawsuit and labels it groundless.

Defeated, Jeff 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.

Cleveland Heights 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 filing a lawsuit.

Learn about these exclusions of coverage for your towing operation by calling the agents at Pathway Insurance for answers to your questions about Ohio Tow Truck Insurance. 

Our number is 1-800-998-0662, and we’re available Monday through Friday 9:00 AM to 5:30 PM (PST).

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

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

  • Tow Truck Insurance Toledo Ohio
  • Tow Truck Insurance Lorain Ohio
  • Elyria Ohio Tow Truck Insurance
  • Mansfield Ohio Tow Truck Insurance
  • Tow Truck Insurance Newark Ohio

Newark Ohio Tow Truck Insurance

Newark Ohio Tow Truck Insurance – Call Now!

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

Pathway Insurance is a leading independent 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 1-800-998-0662 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 Newark 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, and even more importantly what is 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.

Newark 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 the answer to that question and learn whether or not Jeff has any recourse for the injuries he and his wife sustained.

Newark Ohio Tow Truck Insurance – 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 1-800-998-0662 Monday through Friday 9:00 AM to 5:30 PM (PST).

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

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

  • Tow Truck Insurance Reynoldsburg Ohio
  • Lima Ohio Tow Truck Insurance
  • Tow Truck Insurance Huber Heights Ohio
  • Tow Truck Insurance Westerville Ohio
  • Findlay Ohio Tow Truck Insurance