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

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