May 142015

Dump Truck Insurance Taylor Mi – Quick Quotes and Great Coverage!

Dump Truck Insurance Taylor MiFor the best rates and even better service on Dump Truck Insurance in Taylor Mi and the nearby areas contact us today!

You can call us Monday through Friday 9 AM to 5 PM at 800-998-0662 to speak with one of our licensed trucking specialists or if you need us after hours click on Taylor Mi Dump Truck Insurance Quotes.

Dump Truck Insurance Taylor  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.

Once again, 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.

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

Taylor Mi Dump Truck Insurance – Claims Scenario Part 3

When last we saw Scoot E. Spamdangler, who drives a dump truck for Humpty Dumpers Inc., he had just learned that the police are after his cousin, Stevie, whom Scoot had just picked up to give a ride to Tim Horton’s.

Stevie explained that he was carrying an illegal substance when he realized he was being followed by the police, so he panicked, called Scoot for a ride, and tossed the illegal substance into the back of Scoot’s dump truck.

At first Scoot is concerned, remembering that his boss warned him not to lose the dump truck. But Stevie assuages Scoot’s fears by reminding him that his boss must have insurance on the dump truck. Even if something were to happen, it would be covered by the insurance company.

Just then, sirens blare behind them. Scoot has to pull over. Two police officers approach the dump truck, one on each side. The officer on Scoot’s side holds up the bag of contraband and asks whether Scoot knows where it came from.

Several hours later, Scoot makes a phone call to Humpty Dumpers Inc. from the police station to explain to his boss, Big Doug Tickleslap, that the federal government has detained the dump truck.

Through Big Doug’s screams, Scoot tries his best to reassure Doug that his insurance should reimburse him for the lost truck. But Doug tells Scoot that he’s wrong. Between sobs, Big Doug Tickleslap tells Scoot that this time he read his policy, and that there’s no point in filing a claim. In plain English, there is an exclusion in his policy that states:

We will not pay for loss incurred while your insured auto is used in any illicit trade or transportation, or due to your insured auto’s destruction or confiscation by governmental or civil authorities because you, or, if you are a natural person, any relative, engaged in illegal activities.

“I asked one thing of you, Scoot,” says Big Doug. “One thing. And you failed me.”

If Scoot had understood the policy under which his dump truck was covered, perhaps he would have had better sense than to continue driving with an illegal substance in the back of his dump truck.

Know All The Facts About Taylor Mi Dump Truck Insurance.

As you can probably tell, judging the best dump truck insurance is a little more complicated than looking at the price tag. That’s why it’s so useful to let our agency help you find the exact coverage you need for your business.

Give us a call today at 800-998-0662 Monday through Friday 9 AM to 5:30 PM (EST) or contact us online any time by clicking Taylor Mi Dump Truck Insurance Quotes.

We also serve the following nearby communities:

  • Dump Truck Insurance Pontiac Mi
  • Dump Truck Insurance Troy Mi
  • Dump Truck Insurance Warren Mi
  • Dump Truck Insurance Sterling Heights Mi
  • Dump Truck Insurance Flint Mi
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