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TOW TRUCK insurance

Whether you own a tow truck as an independent self-employed profession, you own a full fleet of tow trucks and have multiple drivers as employees, or you provide tow truck services as part of another business such as auto repair, those trucks are a key part of your business operations. Tow truck operators and owners depend on the vehicles to provide their business services. You cannot make money from customers if your trucks are incapacitated due to accidents and unexpected damages.

Your company trucks drive frequently as well. Regardless of weather hazards and road conditions, your tow truck is expected to go out at a moment’s notice to rescue stranded drivers. Constant driving puts your trucks at more of a risk for auto accidents and other perils. Many of these potential problems are quite expensive to repair and could force you out of business due to the financial hardships they cause. Protect your trucks and the viability of your company by carrying the right types of commercial auto insurance coverage.

Liability InsuranceLiability insurance pays for damages when you or one of your tow truck drivers is at fault in an auto accident. If for example, your tow truck rear-ends another driver in a heavy traffic jam, your company is legally obligated to pay for any repairs the other vehicle needs. If injury occurs, you must also pay the related medical expenses. Liability insurance pays these expenses for you instead.

Medical Payments Medical payments insurance pays for medical expenses and bills that arise for you and any passengers in your tow truck, regardless of who is at fault for the accident. This insurance option is not available in all areas so contact one of our licensed specialists to discuss this option fully.

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Other Coverages

General Liability

Physical Damage InsurancePhysical damages insurance is protection for your tow trucks. It pays for miscellaneous events and hazards that cause damage to your truck. This coverage can be a combination of the following types of coverage:

Uninsured or Underinsured Motorist - Even though auto insurance is required by law in most states, a percentage of people still do not carry even the basic liability protection. Those that do carry basic insurance may not carry enough to cover all of the costs for repairing or replacing your tow truck. When an uninsured or underinsured motorist is responsible for an auto accident, this insurance can protect you from having to pay the bills out of your own company's pocket.

Other Important Commercial Auto Insurance for tow trucks includes:

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Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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