Jun 062015

Dump Truck Insurance Lansing Mi

Dump Truck Insurance Lansing MiShopping for Dump Truck Insurance in Lansing Mi all can be overwhelming. With all the options available, it’s enough to confuse almost anybody. So how do you determine the right amount of coverage for you?

The experienced agents at Pathway Insurance can answer all of your Michigan Dump Truck Insurance questions and get you the coverage you need for a price you can afford.

Call us at 800-998-0662 Monday through Friday 9 AM to 5:30 PM (EST) or you can use our convenient online quote system by clicking on Dump Truck Insurance Lansing Mi.

Dump Truck Insurance Lansing Mi – Exclusions of Coverage

This week we conclude the fifth installment of our series exploring exclusions of coverage, which are specific situations pointed out in the language of an insurance policy for which coverage would not be approved by the insurance company.

And as we’ve said many times before, the best advice we can give when it comes to exclusions of coverage is to read your policy very carefully! It is the most reliable way to truly understand what is, and more importantly, what is not covered on your Michigan Dump Truck Insurance policy.

Now let’s finish our claims scenario illustrating why knowing your policy’s exclusions of coverage can help you in the future.

Lansing Mi Dump Truck Insurance – Claims Scenario Part 4

In this week’s article we conclude the story of Big Doug Tickleslap and his new business venture, Tweedle Dee and Tweedle Dump Inc.

You’ll recall that while on the job Doug was carjacked by a hoodlum just as a severe storm broke out. Doug took shelter in a nearby store and called the police. Flood waters rise outside, forcing Doug to spend the night in the store.

The next day Doug gets a call informing him that the police have found his dump truck.

When Doug finally sees his dump truck again, his heart sinks. The thief had apparently tried to drive it down a road that dipped so low that the water over it was more than seven feet deep. The engine died, forcing the thief to abandon it. Doug can see that the high waters and floating debris have severely damaged the exterior and part of the interior of the truck. Furthermore, the golf ball-sized hail has cracked the glass and left dents all over the truck’s surface.

Just when Doug starts to doubt his decision, he remembers why he chose not to chase the thief. He needs to know if he was right.

Back at his home, he finds his copy of the insuring agreement and thumbs to a page titled: “Specified Causes of Loss Coverage.”

With his heart aflutter, he reads the following section:

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.

Emboldened, Doug files an insurance claim and patiently waits for the response. A few weeks later, he receives a letter from the insurance company confirming that they will cover the loss in full.

At long last, Big Doug Tickleslap read and understood his insurance policy, which led him to make an informed decision about his coverage that ended up saving his life.

Dump Truck Insurance Lansing Mi – Clear Up The Confusion!

It’s not always clear whether a claim will be covered, but the knowledgeable agents at Pathway Insurance can help you understand your coverage.

Call 1-800-998-0662 to speak with an agent or click on Lansing Mi Dump Truck Insurance to begin your online quote today.

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

  • Dump Truck Insurance Canton Mi
  • Westland Mi Dump Truck Insurance
  • Troy Mi Dump Truck Insurance 
  • Dump Truck Insurance Farmington Hills Mi
  • Dump Truck Insurance Macomb Mi
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