Dump Truck Insurance Kalamazoo Mi – Fast Quotes and Great Rates!
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 Kalamazoo Dump Truck Insurance Quotes.
Dump Truck Insurance Kalamazoo Mi – Exclusions of Coverage
We press on with our series on 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.
As 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 effective way to truly understand what is and is not covered on your Michigan Dump Truck Insurance policy.
Now let’s conclude our claims scenario illustrating why knowing your policy’s exclusions of coverage can help you in the future.
Kalamazoo Mi Dump Truck Insurance – Claims Scenario Part 3
When last we left Big Doug Tickleslap, owner of Humpty Dumpers Inc., he and his employees had been ordered to evacuate the construction site they were working on, along with the entire construction crew. And worse yet, they were ordered to leave all their equipment right where it was.
You may recall that Humpty Dumpers Inc. had been hired to move dirt and rubble from a massive construction project that happened to be located right next to a site that had been contaminated with radiation a few years before. The construction excavation struck ground water that may itself be contaminated, and now a biohazard team has evacuated the premises.
Big Doug and his crew are instructed to remove their clothes and enter special decontamination showers. Doug is relieved when he and his employees are given the all-clear for radiation, but then he remembers his dump trucks. Four of his six trucks are sitting at the construction site.
Days pass until finally Doug is told that his dump trucks have been heavily exposed to the radiation emanating from the ground water and are beyond saving.
Doug is despondent, but one of his employees calms him down by reminding him that the trucks are all insured. Heartened somewhat, Doug files an insurance claim for the loss of his four dump trucks.
A few weeks later, Doug receives a letter from the insurance company. His heart sinks as he reads that his claim has been denied. The company cites the following exclusion outlined in Doug’s commercial truck insurance policy:
We will not pay for loss caused by or resulting from any of the following. Such loss is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss:
- Nuclear Hazard
- the explosion of any weapon employing atomic fission or fusion; or
- nuclear reaction or radiation, or radioactive contamination, however caused.
If Doug had read his policy, it may have better informed his decision to take the job near the Superfund site.
Dump Truck Insurance Kalamazoo Mi – Questions? Call Today!
For questions 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 seven days a week by clicking Dump Truck Insurance Kalamazoo Mi.
In addition to Kalamazoo we also serve the following communities:
- Dump Truck Insurance Lansing Mi
- Ann Arbor Dump Truck Insurance
- Dump Truck Insurance Flint Mi
- Dearborn Mi Dump Truck Insurance
- Livonia Mi Dump Truck Insurance