Dump Truck Insurance Troy Mi – Call Now!
Pathway Insurance is a leading independent insurance agency offering great insurance rates and options for Troy Mi Dump Truck Insurance.
Call 800-998-0662 to speak with one of our experienced representatives Monday through Friday 9AM to 5:30PM or get a quote online seven days a week by clicking Dump Truck Insurance in Troy Mi.
Dump Truck Insurance Troy Mi – Exclusions of Coverage
This week we continue 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.
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.
Troy Mi Dump Truck Insurance – Claims Scenario Part 3
You may recall that Lead Foot Willy had borrowed and installed radar detectors in his dump truck because his boss warned him that another speeding ticket would mean losing his job.
When last we saw Lead Foot Willy, he had just been caught speeding while transporting some gravel, caused some damage to his dump truck, and broken his cousin’s radar detectors, which he promised he would pay for if they were damaged or stolen.
Later, while pleading with his boss to let him keep his job at Humpty Dumpers Inc, Willy explains the radar detector situation. His boss tells him he’s not getting a fourth chance, but he will at least let Willy know when the money comes in for the insurance claim so he can pay his cousin back.
A couple weeks later Willy gets a call from his boss letting him know that the insurance company has completed their claim investigation and has decided what it will be paying. Unfortunately, the radar detectors, valued at over $2,000, will not be covered.
Why? Take a look at this section from the Humpty Dumpers Inc. commercial trucking policy:
We will not pay for loss to radar detectors or to any other equipment or device designed or used to detect speed measuring equipment, or to any equipment designed or used to jam or disrupt any speed measuring equipment.
So now Lead Foot Willy is left to find a new job and to scrounge up over $2,000 he doesn’t have to pay back his cousin. If he had understood his employer’s insurance policy he might have thought twice about using radar detectors and instead just slowed down on the job.
Need Commercial Dump Truck Insurance in Michigan?
Not only will we help you find the coverage you require, but we can show you how a commercial umbrella policy will provide even better coverage for your business.
When you’re looking for the best options in Troy Mi Dump Truck Insurance call 800-998-0662 to talk with one of our licensed agents.
Michigan Dump Truck Insurance is also available in the following communities:
- Dump Truck Insurance Rochester Hills Mi
- West Bloomfield Mi Dump Truck Insurance
- Dump Truck Insurance Taylor Mi
- St Clair Shores Mi Dump Truck Insurance
- Dump Truck Insurance Pontiac Mi