Insurance | Pathway Insurance

Tow Truck Insurance Arnold Pennsylvania

WIN Admin — Tue, 01 Aug 2023 21:10:30 +0000

If you own a towing business in Arnold Pennsylvania you understand the importance of reliable and efficient tow trucks to keep your operations running smoothly. However, along with your critical services, it’s crucial to protect your business with the right insurance coverage. Tow truck insurance is designed to safeguard your assets, employees, and customers, providing peace of mind in the face of unforeseen risks.

Understanding Tow Truck Insurance

Tow truck insurance is a specialized type of commercial auto insurance tailored to the unique needs of towing businesses. Traditional auto insurance may not adequately cover the risks associated with towing operations, so it’s essential to have a comprehensive tow truck insurance policy in place.

Coverage Options

Liability Insurance: This is the foundation of any tow truck insurance policy. It covers bodily injury and property damage liability in case your tow truck is involved in an accident that results in injuries or property damage to others.

Physical Damage Coverage: This option protects your tow trucks from damage resulting from collisions, theft, vandalism, or natural disasters. It ensures that your valuable assets are protected and can be quickly repaired or replaced, minimizing downtime.

On-Hook Towing Coverage: This coverage protects the vehicles your tow truck is hauling. In an accident or damage during transportation, on-hook towing coverage provides the necessary financial protection.

Garagekeepers Insurance: If you operate a towing business with a storage lot, garage keepers insurance can be vital. It covers damages to customers’ vehicles while they are stored at your premises.

Medical Payments Coverage: In case of injuries you or your employees sustained during an accident, medical payment coverage can help cover medical expenses.

Do you need better options for Tow Truck Insurance?

Call 1-800-998-0662 to speak with an agent, or you can also chat with us through our website for added convenience. Click on our chat button, and you will promptly be connected to one of our Tow Truck Insurance Agents, available until 8 PM.

Or use our link below to request a quote:

Tow Truck Insurance Quotes

The post Tow Truck Insurance Arnold Pennsylvania first appeared on Pathway Insurance.

Non Medical Transportation Insurance Pittsburgh Pa

WIN Admin — Wed, 15 May 2019 13:22:49 +0000

Non Medical Transportation Insurance Pittsburgh Pa — A+ Rated Carriers Available.

If you’re looking for Non Medical Transportation Insurance in Pittsburgh Pennsylvania — Pathway Insurance is a name you can count on!

We represent insurers with an A+ Rating from AM Best that will keep you in business.

Call us direct by dialing 1-800-998-0662 Monday through Friday up until 5:30 PM Eastern standard Time or click on our chat system to speak with one of our licensed agents up until 8 PM through the week and up until 5 PM on the weekends.

If it is after hours and our chat system is not activated there is 1 additional way for you to get in touch with one of our licensed agents.

Send us a request for information by choosing a hyperlink you see listed below closest to your area of operation. After you have chosen your link you will be directed to a secure form to send us your request.

Non Emergency Medical Transportation Insurance Pittsburgh — the Accident Part 2

In our previous article that you can read by clicking Philadelphia Non Emergency Medical Transportation Insurance.

We shared the beginning part of a claim’s scenario involving a car accident involving a Roofing Contractor, J Man Roofing. The purpose of sharing this scenario is to see the potential claim payouts between two different types of business enterprises:

This comparison will show the significant difference in claim payouts between the two separate types of business entities.

Let’s go ahead and catch up where we left off previously.

Mike, one of the owner’s sons of J Man Roofing, decided to treat his crew to some ice-cold adult beverages after working on a roof tear off.

Two of the roofers had a bit of an altercation earlier in the day and decided to air out their differences in Mike’s truck as they were driving to the 51 Bar on Ridge Avenue.

Stevie, instigates a fight as he smacks Billie in the back of the head and the two proceed to duke it out in Mike’s work truck as Mike is driving toward the bar. Stevie is in the back of the double cab work truck, Billy was riding up front with Mike.

The fighting escalates and Billy tries to launch himself into the back of the truck to get at Stevie and he accidentally kicks Mike in the head. Mike, angrily takes his eyes off the road and screams at them both to knock it off.

Mike was only distracted for a moment. A minivan had suddenly stopped in front of Mike’s work truck because a gaggle of geese were walking across the road. If Mike had not been kicked in the head he could have easily had time to stop his work truck.

Unfortunately, he did not stop in time because he was distracted and slammed into the back of the minivan going around 25 miles an hour.

The Henderson family were in the minivan, the parents and three children. All five were injured because of the accident, the children suffered the worst part of the accident and required extensive medical rehabilitation.

There were also five passengers including Mike the driver in the work truck.

Stevie and Billy both have their seatbelts off because they were fighting, they were both ejected from the truck and suffered extensive bodily injury.

The other three passengers including Mike the driver suffered no injuries.

In our next article will get into the details of the claim payouts on this particular accident.

Non Emergency Medical Transportation Insurance Pittsburgh — Call 800-998-0662 Right Now!

If you find our website during normal business hours up until 5:30 PM EST during the week it’s best for you to call one of our agents so we can discuss your needs.

Our number is 1-800-998-0662.

Alternatively, you can use our chat system up to 8 PM EST through the normal workweek, and up to 5 PM EST Saturday and Sunday.

There is 1 Final Way to reach out to one of our agents. Click one of the below hyperlinks based on the operation area of your transportation business, complete a few details and one of our agents will get back with you soon:

The post Non Medical Transportation Insurance Pittsburgh Pa first appeared on Pathway Insurance.

Owner Operator Insurance Harrisburg PA

WIN Admin — Wed, 26 Sep 2018 17:45:53 +0000

Owner Operator Insurance Harrisburg PA – Get a Rate Comparison Today!

Are you getting the best rates possible for your Harrisburg PA Semi Truck Insurance?

You may be able to get a better rate, as well as a better customer experience, by going through Pathway Insurance.

Give us a call at 513-662-7000 or 800-998-0662 during our business hours to find out.

We also offer an online chat service that operates at different times than our normal business hours.

You can access that by clicking the option in the bottom-right corner of the screen.

Get your free Semi Truck Insurance quote by selecting a link below:

Owner Operator Insurance Harrisburg – Exclusions Example No. 3 Continued…

In our last article, Mr. Bruester bit off a bit more than he wanted to chew.

This time, he was cut off by an inconsiderate driver who had been recklessly weaving in and out of traffic, before winding up right in front of Mr. Bruester.

After Mr. Bruester gave the driver a piece of his mind, the driver parked his car and exited his vehicle, taunting Mr. Bruester to do the same.

Rather than get out of his truck and confront the driver directly, Mr. Bruester resolved to give the man a little scare. He punched the gas just enough to startle the other driver.

Though Mr. Bruester braked immediately, never coming close to actually striking the driver, the driver nonetheless was caught so off guard by the sudden start that he fell back and struck his head on the pavement and required medical attention.

Let’s, one more time, take a gander at the exclusions rule. Here it is, verbatim:

EXCLUSIONS – PART I – LIABILITY TO OTHERS. Coverage under this Part I, including our duty to defend, does not apply to:

Expected or Intended Injury: Bodily injury or property damage either expected by or caused intentionally by or at the direction of any insured.

Here’s where things get tricky.

Because the action that caused the injury to occur was intentional and not at all an accident, and because injury could be expected to result from the action, the driver’s injuries would not be covered by Mr. Bruester’s insurance – even though the outcome was far more serious than what Mr. Bruester intended!

In the next article, we will give a brief review and summary of the story we just followed, and reiterate some of the main points of this article.

Owner Operator Insurance Harrisburg PA

Satisfied with your current Semi Truck Insurance agency?

At Pathway Insurance, we are always trying to give the best possible experience to our customers along with great insurance rates.

Give us a call at 513-662-7000 or 800-998-0662, and we’d be happy to answer any questions you might have. We can also be contacted by using our online chat service listed on the bottom of our web page.

Get your free online Semi Truck Insurance quote by clicking a link below:

The post Owner Operator Insurance Harrisburg PA first appeared on Pathway Insurance.

Owner Operator Insurance Levittown

WIN Admin — Tue, 25 Sep 2018 17:01:30 +0000

Owner Operator Insurance Levittown – Find Better Coverage!

Unhappy with your current Semi Truck Insurance coverage?

Give Pathway a call and discover better options today!

You can contact us at 800-998-0662 or 513-662-7000 during our standard business hours. If that doesn’t work for you, you can also utilize our online chat system by selecting the option in the lower-right corner of the screen.

Begin your free online Semi Truck Insurance quote by selecting a link below:

Owner Operator Insurance Levittown – Exclusion Example No. 3

Now that we’ve seen Mr. Bruester suffer through two separate collisions, it’s time to put him through a third.

Let’s take the story back one last time. Mr. Bruester quickly cleans up the mess in his lap from the sandwich falling and goes about his day, driving attentively. He’s still quite furious with all of the day’s events, but he’s managing.

Further down the road, he notices that traffic is beginning to slow and that there is another rather large traffic jam. At this point, Mr. Bruester accepts his fate and begins to slow down. Traffic is moving fairly slowly already, and there’s still a decent amount of space in between each vehicle.

However, while he is slowing down, a rather impatient driver continues to bob and weave in and out of traffic, eventually ending up in front of Mr. Bruester. While doing so, the impatient driver effectively cuts off Mr. Bruester.

Being already quite irritated, Mr. Bruester isn’t having any of this. He promptly rolls his window down, leans out, and shouts at the guy that had just cut him off.

Much to Mr. Bruester’s surprise, the man in front of him immediately puts his car in park and gets out of his vehicle, as if to challenge Mr. Bruester.

Mr. Bruester decides that he wants to teach this joker a lesson. Instead of parking his truck, he instead hits the accelerator for a brief second before immediately braking again.

His intention is merely to scare the disgruntled driver into thinking Mr. Bruester is about to run him over with his big rig.

Unfortunately for both men, this little prank works too well.

The driver is so startled by Mr. Bruester’s stunt that he stumbles backward, trips, and hits his head hard on the pavement. It becomes clear immediately that 911 needs to be called.

Will this incident be covered? Visit Owner Operator Insurance Harrisburg PA to find out.

Owner Operator Insurance Levittown

Are you a safe driver? If so, you may be entitled to save money on your monthly payments.

If you would like to know more, call Pathway insurance today at 800-998-0662 or 513-662-7000, or by selecting our online chat option.

Don’t forget to get your free online Pennsylvania Semi Truck Insurance quote by clicking a link below:

The post Owner Operator Insurance Levittown first appeared on Pathway Insurance.

Tow Truck Insurance Pittsburgh Pennsylvania

WIN Admin — Fri, 27 Jul 2018 18:26:57 +0000

Tow Truck Insurance Pittsburgh Pennsylvania — Low Rates for Good Companies!

If you’re looking for a good deal on your Tow Truck Insurance in Pittsburgh Pennsylvania there’s only one number you need to keep on your speed dial: 1-800-998-0662.

Pathway Insurance is a leading independent agency offering exceptional pricing for Tow Truck Insurance in Pittsburgh Pennsylvania and all of the surrounding areas.

Call us right now, use our online chat system to speak with a licensed agent, or send us a request for quotes around the clock by clicking any of the links you see listed below. Make sure to choose the link closest to your location:

Tow Truck Insurance Pittsburgh Pennsylvania — How Do You get Good Pricing?

Just how do you get good pricing on Tow Truck Insurance in Pittsburgh Pennsylvania?

Excellent question, and the answer is actually not all that difficult.

Companies that qualify for the best pricing on Pennsylvania Tow Truck Insurance have the following characteristics:

has had continuous insurance coverage for three years or longer
zero claims last five years
never pays their insurance bill late
has never had an insurance lapse
pays their insurance bill in full for the year
all drivers have a clean motor vehicle report
no safety violations
owns newer trucks
owner has excellent credit

Those who pay the most for their Pennsylvania Tow Truck Insurance follow this pattern:

they are a new venture
they have plenty of accidents and claims turned in
they have had lapses in insurance coverage
they pay their bill late
they try to pull the “new business venture” scam
they offer repo
they disguise their company as a towing company when they are actually an auction auto hauler or hotshotter
they need unlimited mileage of radius coverage
owner lies on the insurance application
owner hides trucks
owner doesn’t disclose all drivers
owner hires drivers with multiple tickets and accidents on their MVR record

What’s interesting is that the difference in pricing between those who pay the least amount of money and those who pay the most is striking.

A towing company, no matter if it’s offering for-hire towing that includes roadside assistance or towing that is provided through contracts via motor clubs with a spotless record, could qualify for rates as low as $3500 per truck with physical damage coverage and $1 million of liability coverage.

For the opposite side of the spectrum, rates may start at $25,000 per truck if an insurance company is willing to insure them!

Companies that are legitimate new ventures with a clean driving record will not qualify for the lowest rates for Pennsylvania Tow Truck Insurance but the rates may not be insurmountable.

Over time, the new business venture will qualify for better rates as long as they are free of any tickets or accidents.

As an agency we have witnessed many mistakes tow owners have made on their Pennsylvania Tow Truck Insurance, and we use claims scenarios to help educate our readers on practices to avoid. Let’s now continue part 3 of Jimmy Jam Towing.

Tow Truck Insurance Pittsburgh Pennsylvania Claim Scenario – Jimmy Jam Towing Recap of Part 2

In our previous article, which you may read by clicking this link: Tow Truck Insurance Philadelphia, we find Jimmy Jamison having a few beers with his friends and discussing his current employment situation.

Within the last month or so, Jimmy had lost his factory job for missing too many work days. Jimmy wasn’t an early riser, and with his propensity to stay up all night long partying with his friends he would inevitably come to work late or call off sick.

So, Jimmy loses his job and also fails to qualify for unemployment benefits. He is flat broke and forced to move in once again with dear old mom and dad.

Jimmy really is very lazy but he is a likable sort of guy. His closest friends rib him about his irresponsible streak and help him out for some inexplicable reason. Tonight is no exception; they are trying to get Jimmy a job he can keep.

Jimmy’s friend “Tiny” Tim Hester suggests he try being a tow truck driver. Sitting down all day appeals to Jimmy’s lazy side so he is interested.

“Tiny” puts Jimmy in touch with his uncle Carl, whom everybody calls him Brub, and they make arrangements to meet at the 62 Bar on the east side at 4 PM. Let’s now find out what happens next.

Tow Truck Insurance Pittsburgh Pennsylvania Claim Scenario – Jimmy Jam Towing Part 3

Surprisingly, Jimmy is able to meet at the 62 bar 15 minutes before his appointment and sits down at the table near the back where he can watch those entering the bar. He motions for the barmaid to bring him a beer and begins to nurse it as he waits for his appointment.

A few patrons come and go. Jimmy looks at his watch. He was sure Brub agreed to meet him at 4 PM. Jimmy glances at his watch for maybe the fifteenth time. It’s now 20 after 4. Jimmy thinks to himself that he just got stood up.

Jimmy decides he’s going to call “Tiny”. He pulls out his phone from his pocket and he notices that Brub actually texted him to tell him he would be 15-20 minutes late. Jimmy forgot to turn on his phone.

With a sigh of relief, Jimmy looks up after reading the text and sees a man enter the bar and begin to look around. Jimmy waves to the man on the off chance its Brub. The mans nods and walks over to Jimmy.

“You Jimmy?” the rather tall, maybe 6’4, middle aged man inquires.

“Yep, that’s me. “I’m guessing you’re Brub?” Jimmy replies.

“One and the same. What are you drinking?” Brub asks. Jimmy tells him. He walks over to the bar and returns with two beers.

“So, Tiny tells me you want to get into the towing business, yeah?” Brub asks.

“Maybe. Depends on what it pays and the hours. I’m guessing you own a tow company?” Jimmy asks.

“Yep, I do, and I’m always looking for drivers. You have any experience driving a tow truck?”

Jimmy pauses for a moment before answering and looks Brub in the eye. “No, not really. I drove some trucks in the army when I was in, but that’s the extent of my experience.”

“What kind of trucks did you drive in the army?” Brub inquires. Jimmy goes on to tell Brub what he drove.

“Our trucks are a bit smaller than what you drove in the army, so that won’t be a problem. What’s on your driving record? Any tickets? Accidents?” Brub questions.

“Nope. Got a spotless record. Nothing in the last three years,” Jimmy states with confidence.

“Well okay, that’s good. The rates on insurance go up for me when my drivers have bad records. Let me tell you what I would like to offer you because I think you would do just fine.”

Brub explains what Jimmy could earn and even mentions that “if you are good, and I mean really good, I just might be looking for a future partner.” Brub gives a nod and wink, then motions the barmaid Judy over and orders another round for them both.

Jimmy’s career in the tow business begins at noon the following Monday. We will learn more in our next episode.

Tow Truck Insurance Pittsburgh Pennsylvania — Great Rates for Preferred Companies!

Great rates for preferred Tow Truck Insurance in Pittsburgh Pennsylvania and the surrounding areas are simply one call or click away!

Speak to one of our licensed agents by dialing 1-800-998-0662 right now if you’re calling before 5 PM EST Monday through Friday. If it’s after 5 PM look to see if our chat system is active. If it’s active, click on “Chat” to speak with one of our licensed agents.

If the chat system is not active, or it states the agents are busy, click on any of the below links to send us a request for quotes and information around-the-clock:

The post Tow Truck Insurance Pittsburgh Pennsylvania first appeared on Pathway Insurance.