Tow Truck Insurance Warren Mi
Pathway Insurance is a leading independent agency offering affordable rates for Tow Truck Insurance in Warren Michigan and the surrounding areas.
At Pathway we offer tow truck coverage all over the state of Michigan. Whether you represent a new company offering towing services or a long-time business seeking better insurance rates, we have the insurance you need. Coverage is available for garages, car dealerships, and dedicated towing services.
Can’t contact us until after 5pm? No problem. Our agents are available until 5:30pm Monday through Friday and we’re available online at all hours 7 days a week. You can click Warren Tow Truck Insurance Quotes 24 hours per day to start your free quote.
Warren Mi Tow Truck Insurance – Understand Your Coverage
As I’ve said many times before, it’s important to fully understand your tow truck insurance coverage so that you aren’t left having to pay for a denied claim in the future.
Let’s take a look at this claims scenario to illustrate an example of how knowing about your coverage can save you big by allowing you to avoid doing something that would render your coverage invalid:
Scenario: Ralph W. Emerson owns Walden Towing Services Inc., a small tow truck operation in a rural community. It is well known around town that Ralph is always willing to lend a helping hand to anybody who’s down on their luck or simply turning their backs on society and looking to break away from the world.
After several of these vagabonds turned up over a short period of time, Ralph decides to outfit a storage space in his tow truck business building with a bed and some basic amenities.
A few months later another lost soul named Henry David shows up at Ralph’s door in need of some shelter. Ralph allows him to stay in the makeshift guest room at Walden Towing for a few weeks until Henry decides to rejoin civilization again.
One day Henry’s curiosity gets the better of him and he enters the garage where the tow trucks are kept to get a closer look at the equipment. He accidentally knocks over a large steel tube that had been propped in the corner of the garage, and it lands on the front of one of the tow trucks, shattering the windshield and putting a huge dent in the hood.
“Not to worry,” says Ralph. “I’ve got tow truck insurance.”
Ralph submits a claim and doesn’t give it a second thought. A week later he receives a claim denial, citing the following exclusion in his policy:
Bodily injury, property damage, or personal or advertising injury arising out of any “non-towing services” or suffered by any person present at the insured’s premises for reasons that, principally, are not related to the conduct of the insured’s towing, roadside assistance, or storage lot operations. For purposes of this exclusion, “non-towing services” means:
(a) any motor vehicle service or repair operations performed at the insured’s location;
(b) conduct of any business that is not a necessary part of the insured’s towing, roadside, or storage lot operations; or
(c) use of the insured’s property for any non-business activities, such as, for example, a residence.
Because Henry was present at the towing premises for reasons that principally are not related to towing, namely using the premises as a residence, the insurance company is not obligated to pay for the damage.
Tow Truck Insurance Warren Mi – Call Today!
The agents at Pathway Insurance are ready to answer questions about exclusions like the one you just read. Call us at 800-998-0662 Monday through Friday 9AM to 5:30PM (EST) or contact us online seven days a week by clicking Warren Michigan Tow Truck Insurance Quotes.
Insurance is also available in the following areas:
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