Quick Quotes and Great Coverage for Tow Truck Insurance in West Bloomfield!
You can call us Monday through Friday 9 AM to 5:30 PM at 800-998-0662 to speak with one of our licensed trucking specialists. Or if you need us after hours click on West Bloomfield Tow Truck Insurance Quotes.
Comprehensive Coverage on Michigan Tow Truck Insurance.
In our last article we explored On Hook Coverage and why it is so valuable to any towing operation. Today we’d like to discuss it further.
Let’s say you own a repair garage and for your customers’ convenience you offer a towing service when their cars can’t make it to the shop.
Unless you have On Hook Coverage as part of your towing insurance package you could be on the hook (couldn’t resist) for any damages caused to customer vehicles while you’re hauling them to your garage – even if the accident isn’t your fault!
Here’s How On Hook Coverage Protected One Business Owner:
In the last article we discussed how a driver working for Crazy Larry’s All-Purpose Towing hit a deer while pulling a customer vehicle. Crazy Larry’s Towing was hauling an old Ford when a deer jumped into the road and ended up buried in the old Ford’s windshield.
A claim was submitted to Crazy Larry’s insurance carrier but they denied coverage for the damage to the customer’s vehicle since the tow truck did not have On Hook coverage.
What Type of Vehicles Are Covered by on Hook Coverage?
Any type of vehicle, including watercraft, that’s being transported is covered. Here’s how one policy defines it:
“Towed Auto” or “watercraft” means an “auto” or “watercraft” not owned by or registered to “you” while it is being moved by “your” covered “auto”. “Towed auto” or “watercraft” also means an “auto” or “watercraft” when it is moved from the place where “you” accept it for movement by or on “your” covered “auto”, until such time as it is moved to the place where it is finally delivered by “you”.
Note that the policy specifies that the “Towed Auto” cannot be owned by or registered to “you”. So unfortunately this would not cover damages if you happened to be towing your own car or boat. Good to keep in mind.
Know All The Facts About West Bloomfield Mi Tow Truck Insurance.
As you can probably tell, judging the best tow 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 West Bloomfield Michigan Tow Truck Insurance Quotes.
We also serve the following nearby communities:
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