Fairfield Ohio Tow Truck Insurance

Fairfield Ohio Tow Truck Insurance – Call Us Today!

Fairfield Ohio Tow Truck InsuranceAre you looking for Tow Truck Insurance in Fairfield Ohio or the nearby areas? If so then your search is over. The agents at Pathway Insurance are standing by to help you with your insurance needs.

As a leading independent insurance agency, Pathway Insurance has the knowledge and know-how to find business owners like you the best rates and coverage for Ohio Tow Truck Insurance.

Pathway Insurance can provide great insurance options for towing operations of all forms, including towing as part of a repair garage or dedicated towing services.

Call 800-998-0662 to talk to one of our licensed, experienced agents today.

Tow Truck Insurance Fairfield Ohio – Have You Read Your Policy Yet?

Chances are good that you have purchased some kind of insurance before, such as car insurance or homeowners insurance. Before you settled on coverage did you read your policy?

If you said no, you are probably not alone. Many people do not bother to give their insurance policies much thought, but such a blasé attitude toward your insurance coverage can be dangerous because of those pesky exclusions of coverage we have mentioned before.

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. The only way to make yourself aware of the exclusions of coverage lurking in your insurance policy is to read your policy very carefully!

Tow Truck Insurance Fairfield Ohio – Claims Scenario

In our last article we learned how “Penny Pincher” Perry Plumbucket suffered serious financial damage because of an exclusion of coverage that he was not aware of. He assumed that his policy protected his trucks from collision with an animal but it turned out that that wasn’t the case.

We then posed this follow-up question: Since a personal automobile insurance policy would have covered a claim due to collision with an animal such as a deer, why is damage caused by an animal not listed on “Penny Pincher” Perry’s insurance policy?

The answer is simple, and an important lesson to learn and be aware of: though there are often similarities, insurance coverage differs from company to company. What is covered by one insurance company’s policy may not necessarily be covered by another’s policy.

Let’s compare snippets from two different companies’ commercial auto insurance policies to illustrate this fact. The following are examples of a type of coverage usually called “Specified Causes of Loss”:

Company A:

INSURING AGREEMENT – FIRE AND THEFT WITH COMBINED ADDITIONAL COVERAGE (CAC)

Subject to the Limits of Liability, if you pay the premium for Specified Causes of Loss Coverage we will pay for loss to your insured auto and its permanently attached equipment caused by:

  1. fire, lightning or explosion;
  2. theft;
  3. windstorm or hail;
  4. earthquake;
  5. flood or rising water;
  6. malicious mischief or vandalism;
  7. the stranding, sinking, burning, collision, or derailment of any conveyance in or upon which your insured auto is being transported; or
  8. collision with a bird or animal.

No losses other than those specifically described above will be covered under Part II of this policy.

As you can see, Company A’s policy provides coverage for collision with an animal, as well a handful of other forms of damage.

Company B

SECTION III – PHYSICAL DAMAGE

Coverage 1. 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.

As you can see, Company B’s policy looks very similar to Company A’s, but you’ll notice that coverage for collision with a bird or animal is missing.

The difference is subtle. How do you guard yourself against overlooking something like this? Like we said before: by reading your policy very carefully.

Tow Truck Insurance Fairfield Ohio – Call Today!  

Call the courteous agents at Pathway Insurance today for great rates on Ohio Tow Truck Insurance.

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

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

  • Tow Truck Insurance Huber Heights Ohio
  • Tow Truck Insurance Marion Ohio
  • Westerville Ohio Tow Truck Insurance
  • Brunswick Ohio Tow Truck Insurance
  • North Olmsted 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

Beavercreek Ohio Tow Truck Insurance

Beavercreek Ohio Tow Truck Insurance – Call Now!

Beavercreek Ohio Tow Truck InsuranceAre you searching for Tow Truck Insurance in Beavercreek Ohio or the surrounding areas? Then search no more because the specialists at Pathway Insurance are here to help.

Pathway Insurance is a leading independent insurance agency with the expertise and experience to help you find the best rates and coverage for Tow Truck Insurance in Ohio.

Call us today at 1-800-998-0662 to speak with one of our licensed agents.

Whether your towing operation is part of a repair garage or it’s a dedicated towing service, Pathway Insurance offers insurance solutions for all kinds of towing situations.

As you’re shopping for Tow Truck Insurance in Ohio pay careful attention to the exclusions of coverage on your policy. 

Beavercreek Ohio Tow Truck Insurance – Exclusions of Coverage. 

In case your recollection is fuzzy, 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. We’ve looked at the topic of exclusions of coverage several times before, so this week we’re going to look at them from a slightly different angle.

In addition to being aware of the exclusions of coverage present in your insurance policy, it is also important to be aware that no two insurance providers’ policies are exactly the same; what’s covered by one policy will not necessarily be covered by the other.

Also, as we’ll learn in the upcoming coverage scenario, in some instances the language of your policy will spell out the specific cases in which coverage is provided, meaning that any cause not on that list is excluded.

As with any exclusions of coverage question, the advice we give at Pathway Insurance to our policyholders 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 you won’t be caught off guard by a claim denial in the future.

Beavercreek Ohio Tow Truck Insurance – Coverage Scenario

“Penny Pincher” Perry Plumbucket is the owner of Pretty Perry’s Punctual Towing Emporium. Perry is known as a Penny Pincher for a reason; he saves money and cuts corners where he can. That can often be a good thing, but Perry tends to take it too far, even where safety is concerned.

So it should come as no surprise that when choosing an insurance policy for his fleet of tow trucks, Perry Plumbucket  chose the cheapest up-front option.

His insurance provider offers Comprehensive coverage, which essentially covers damage by any cause, but they also offer something called Specified Causes of Loss Coverage.

Specified Causes of Loss Coverage protects your vehicles from damage due to specific causes listed in the policy.

Penny Pincher Perry doesn’t bother to read his policy, let alone the list of specified causes. He pays what he owes and gets back to work.

We’ll see how that goes for Perry in next week’s article.

Tow Truck Insurance Beavercreek Ohio – Call Today!  

Still have questions about exclusions of coverage? Call the knowledgeable agents at Pathway Insurance today for answers about Ohio Tow Truck Insurance.

Call 1-800-998-0662 Monday through Friday 9:00 AM to 5:30 PM (PST). We can shop the market to find the best coverage options on Tow Truck Insurance in Beavercreek Ohio for your business.  

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

  • Hamilton Ohio Tow Truck Insurance
  • Kettering Tow Truck Insurance
  • Lancaster Ohio Tow Truck Insurance
  • Tow Truck Insurance Columbus Ohio
  • Hamilton 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

Mentor Ohio Tow Truck Insurance

Mentor Ohio Tow Truck Insurance – Great Rates!

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

You can call us today at 1-800-998-0662 to speak with one of our friendly and experienced agents.

Mentor 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 Mentor Ohio – Coverage Scenario Continued. 

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 will petition the judge for a Declaratory Judgment. 

Jeff rudely tells the lawyer to hold for a minute while he looks something up. 

He 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 

Jeff is no legal rocket scientist but he thinks he can still bluff his way into a large settlement and he gets back on the line and tells the lawyer this:

“I and my wife got injured and we are due for some compensation!” 

The lawyer, quickly detecting Jeff is not the sharpest tool in the box, mentions that he might be eligible for workers compensation under his employer’s policy. 

Jeff only gets angrier as he is looking for the BIG payout. 

“That ain’t good enough you hear!” Jeff screams into the phone. 

The lawyer decides the best course of action is to email Jeff the policy language in the insurance policy. 

“Let me do this Jeff. I’ll email you a copy of Walter’s tow policy and highlight what it states and then how about we speak again by phone in a few days?” 

Jeff reluctantly agrees. 

We will conclude our article next week by examining the legal language of the commercial auto insurance policy.

Mentor Ohio Tow Truck Insurance – It’s More Complicated than You Think!  

Commercial insurance is more complex than you might think and for that reason you need an agency than can help you find the coverage you need. 

Why not call the agents of Pathway Insurance today to see how we can help? 

Our number is 1-800-998-0662 and we are here to answer any tough insurance question you may have.

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

  • Tow Truck Insurance Dublin Ohio
  • Tow Truck Insurance Warren Ohio
  • Grove City Ohio Tow Truck Insurance
  • Stow Ohio Tow Truck Insurance
  • Tow Truck Insurance Brunswick 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

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 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