Michigan Tow Truck Insurance | Pathway Insurance

Tow Truck Insurance Michigan

WIN Admin — Mon, 16 Jan 2017 21:17:46 +0000

Tow Truck Insurance Michigan — Better Rates Are One Call or Click Away!

If you’re looking for better rates on Tow Truck Insurance in Michigan — 800-998-0662 is the only number you need — no matter if you are a new startup operation or well-established towing service company with years of experience.

Pathway offers great rates on Tow Truck Insurance in Michigan, Ohio, Indiana, Minnesota, Maryland, Kentucky, Tennessee, Texas, Georgia, and Florida seven days per week.

Licensed agents are available by telephone until 5:30 PM Eastern Standard Time in Michigan when you call 800-998-0662 or you can use our chat system to speak with a license agent seven days per week.

Simply click chat on the bottom right side of our website.

If it would be more convenient you are welcome to send us your information online 24 hours per day by clicking in the area in which your business is located:

Tow Truck Insurance Michigan — Avoid These Mistakes on Your Business Insurance

Because we specialize in Tow Truck Insurance in Michigan it’s important to work with an agency that not only has access to the most competitive Michigan Tow Truck Insurance Companies but one that provides good advice to help you keep your rates low.

We would like to share some methods that you should avoid as a tow truck company owner.

Some of these methods may seem like common sense others may not be readily evident.

A surefire way to receive a significant rate increase or a cancellation of your Commercial Tow Truck Insurance Policy is to take the following steps:

Hire careless or bad drivers
Open up a sham tow truck company to avoid previous bad driving behavior or Claim Activity
Lie to the insurance company when you have a claim
Misrepresent information on your insurance application

Tow Truck Insurance Michigan — Hiring Bad Drivers.

Okay let’s talk about the first step — if you hire a careless or bad driver it is going to cost you a lot of money.

Why?

Insurance companies are in business just like you are — to make money!

When you cost them money or you have a number of small claims they will reciprocate by either canceling your insurance or hitting you with a significant rate increase.

Make no mistake every company will hit you with a rate increase or cancellation if you cost them money. It does not matter how long you have been with the company— you may have loyally stuck with your insurance company for 20 years or longer and they will turn around and treat you like an ugly stepchild when you cost them money.

Example: one tow company had a 3 claims within 3 years, 2 were not their fault and one was — their insurance company rewarded them with a 300% increase in premiums!

They went from $25,000 per year up to $80,000 per year because of a few claims! Yikes!

Why do companies hit you so hard when your drivers cause accidents?

Tow trucks can do a lot of damage when they make impact with other people, vehicles, or buildings including serious injury or fatalities.

The bigger the truck the more harm can be inflicted — insurance companies understand this all too well since they will be the ones hiring attorneys to defend against lawsuits caused by their customers.

Tow Truck Insurance Michigan — Open up a Sham Company to Get Cheap Rates.

This little trick worked years ago when tow truck drivers would be canceled by one company because of too many claims and then open up a ‘new tow truck company’ in a relatives name and act as if they are a new business — when in reality they were only doing it to get cheap rate on their Michigan Tow Truck Insurance.

Insurance company’s now have reporting tools that can catch sham companies leaving you as the owner in hot water with the insurance company and possibly blacklisted for life!

Insurance companies have long memories now — if you get caught trying to pull a fast one on an insurance company they may put you on a do not ever insure list.

A number of insurance companies have discontinued offering tow truck insurance because they have lost their shirts financially. If you alienate one too many Michigan Tow Truck Insurance Companies you may jeopardize your ability to even get insurance.

Is it worth it to take a chance and poor fast one on your insurance company?

Not in our opinion. If you are getting canceled because of claims take your medicine like a man!

Pay the higher premiums and don’t set up sham companies.

In our next article we will consider the other two methods you definitely want to avoid.

Michigan Tow Truck Insurance — Low Rates and Great Coverage!

Pathway is the best place to call for Michigan Tow Truck Insurance. As a leading independent insurance agency we have access to the top companies offering this line of business for garages, car dealerships and tow only service companies, including repo.

Call today by dialing 1-800-998-0662 to speak with one of our licensed agents or send us your request for quotes or information by choosing your below area and completing a few details:

The post Tow Truck Insurance Michigan first appeared on Pathway Insurance.

Tow Truck Insurance Grand Rapids Michigan

WIN Admin — Fri, 04 Nov 2016 17:49:20 +0000

Tow Truck Insurance Grand Rapids Michigan – Lowest Rates Now Available!

If you’re looking for low rates on Tow Truck Insurance in Grand Rapids Michigan and all of the surrounding areas look no further than Pathway Insurance.

Call to speak with the licensed agents of Pathway by dialing 1-800-998-0662 Monday through Friday 9 AM to 5:30 PM Eastern Standard Time.

Or use our online information and rate request system — available seven days per week, 24 hours per day by using the links below for your specific area:

We Specialize in Michigan Tow Truck Insurance – Open Seven Days per Week!

Did you know we are the only independent insurance agency we are aware of offering quotes for Tow Truck Insurance in Grand Rapids Michigan seven days per week?

Why do we offer quotes and information seven days per week?

Because it’s likely your business is open seven days per week. Should you not expect your insurance broker to keep seven days per week business hours if you have a question, need to make a payment, or file a claim?

You can trust the agents of Pathway Insurance to provide this exact service to you if you decide to choose us for your Michigan Tow Truck Insurance needs no matter if you own a Garage, a Tow Service Company, or a New or Used Car Dealership.

We are available when you need us— seven days per week!

How Do You Reach Us on Saturday or Sunday?

Simply click on our chat system located on our website and a licensed agent will get back with you shortly.

What type of service can we provide to your business on the weekends?

If you are not currently insured with us we can complete new quotes, issue insurance policies, file claims, provide you certificates of insurance, add, replace, or delete vehicles, answer questions, or change your coverage limits*

As we mentioned we are not aware of any of our competitors offering Tow Truck Insurance in Grand Rapids Michigan offering 7 day per week service.

Would you not rather be insured with an agency like Pathway Insurance when we can provide extended contact hours?

Tow Truck Insurance Grand Rapids Michigan – Another Big Advantage We Offer.

Because one of our specialties is Tow Truck Insurance we represent a number of top Rated Tow Truck Insurance Companies in Michigan.

Most retail insurance agencies only represent one company offering Michigan Tow Truck Insurance.

What’s interesting is that when the largest underwriter of Michigan Tow Truck Insurance announced a nationwide moratorium on tow truck insurance in all 50 states, meaning specifically they would temporarily no longer insure tow truck companies.

We had a large number of other retail agencies calling our company to get Tow Truck Insurance for their customers!

Isn’t that remarkable?

Tow Truck Insurance Grand Rapids Michigan – Buy from Pathway for the Best Value!

Doesn’t it make more sense to purchase your commercial insurance from a company that offers so many different options?

Why not call us today by phone Monday through Friday until 5:30 PM Eastern Standard Time or click on our chat button located on the right side of our website or send us a request online for information and rates 24/7 by clicking your specific area below:

*Not all of our insurance carrier partners allow us to add or replace vehicles on the weekends, to process payments, change coverage limits. Our online agents will advise you if we can provide this to you or not. We can file claims seven days per week with all of our carrier partners.

The post Tow Truck Insurance Grand Rapids Michigan first appeared on Pathway Insurance.

Tow Truck Insurance Ohio

WIN Admin — Tue, 11 Oct 2016 11:08:09 +0000

Tow Truck Insurance Ohio – Quotes and Coverage Available Seven Days per Week!

Are you looking for Tow Truck Insurance in Ohio, Michigan, Indiana, Minnesota, Maryland, Kentucky, Tennessee, Georgia, or Florida?

If so you have found the right place. Call Pathway Insurance by dialing 1-800-998-0662 Monday through Friday 9 AM to 5:30 PM Eastern Standard Time.

Or use our convenient online rate submission system that is available 24 hours per day when you click links below for your State:

Tow Truck Insurance Ohio – Having Trouble Finding Insurance?

If you are having trouble finding companies willing to insure Tow Truck Companies you are not alone!

One of the biggest insurance companies offering Tow Truck Insurance in Ohio recently placed a moratorium on new business making it difficult for Tow Truck Companies, especially new startup companies, to find the insurance they need.

We have good news — we can help!

Because we specialize in offering Ohio Tow Truck Insurance we have the market reach to find the coverage you need.

Tow Truck Insurance Ohio – Rates are Going Up!

Because rates are going up due to one insurance carrier’s exodus from the Towing Market it’s important to work with an insurance broker like Pathway Insurance as we have the ability to shop the market among the remaining companies offering Commercial Tow Truck Insurance.

There are some steps that you can take to keep rate increases at a manageable level and we will consider some of those strategies right now.

Step One — Don’t Let Your Insurance Lapse!

Some towing service companies have been somewhat careless in keeping their commercial insurance payments up-to-date and they have allowed their insurance to lapse.

This is something you want to avoid at all costs. You cannot run your business without commercial auto insurance.

When your insurance lapses and you are unable to reinstate your policy with your previous company you can expect to pay 20 to 30% more with the new company. (Or far more)

Why?

Insurance companies consider those who forget to pay their bill less than a desirable customer.

Insurance companies also realize that those who have had a lapse in coverage are likely operating their vehicles without insurance, which is not smart.

Insurance companies are not benevolent nonprofit entities, they want to make money as well and they are less likely to provide good rates to those who have shown a measure of irresponsibility.

Make sure your premium payments are made on time and do not allow your insurance to cancel for nonpayment until you have secured coverage with another company.

What’s the next step to make sure you do not get overcharged on your insurance?

Step Two — If You Buy an Existing Tow Truck Company Make Sure They Have Not Been Blacklisted by Insurance Companies!

Did you know you can be blacklisted by insurance companies?

It is absolutely true. If you purchase trucks from a tow truck company that has been blacklisted by insurance companies, you will also be blacklisted and will pay the highest possible prices for Ohio Tow Truck Insurance!

The below is a true story, the names have been changed.

Example: John and Jane Doe purchase four tow trucks from an owner who claims to be “retiring” from the business. They get a great deal on the trucks, they sign contracts with local municipalities, and the last step is to obtain the Tow Truck Insurance.

They call a local insurance agent in their city, he takes down all of their information including the serial numbers of the trucks, the names and driver’s license numbers of the four drivers and 10 minutes later after that company runs a report, John and Jane Doe are immediately rejected.

They call another agent, the same thing happens with a different company. They call a third agent, the same thing happens with still another company.

They called our company and every insurance company we represent turned them down, except one.

The normal rate would be around $7000 per tow truck in their location. The only company willing to insure them came in at $16,000 per truck!

They were stuck, they had no choice. Pay the outrageous premiums or close their newly formed business. Only one company was willing to take a chance and insure them based on the track record of the previous owners.

Why?

The previous tow truck company had been blacklisted for claims and safety violations. The owner’s retirement was likely a forced retirement because he could no longer operate his business.

Before you purchase the assets of a tow truck company or even the individual tow trucks themselves, make sure the owner has not been blacklisted.

That blacklisting will follow the new owners in every instance.

Why do insurance companies penalize new owners?

We will answer that in a future post.

Tow Truck Insurance Ohio – We Are Open Seven Days per Week!

Contact Pathway Insurance at 1-800-998-0662 by telephone Monday through Friday 9 AM to 5:30 PM for information and quotes or use our online rate submission system that is available 24 hours per day when you click the link below:

Commercial auto insurance for garages, car dealerships, and tow companies only are also available in these locations:

Tow Truck Insurance Columbus Ohio
Cleveland Ohio Tow Truck Insurance
Tow Truck Insurance Cincinnati Ohio
Tow Truck Insurance Toledo Ohio
Akron Ohio Tow Truck Insurance
Tow Truck Insurance Dayton Ohio
Tow Truck Insurance Parma Ohio
Tow Truck Insurance Canton Ohio
Youngstown Ohio Tow Truck Insurance
Lorain Ohio Tow Truck Insurance

The post Tow Truck Insurance Ohio first appeared on Pathway Insurance.

Tow Truck Insurance Detroit Michigan

WIN Admin — Sun, 04 Sep 2016 14:29:28 +0000

Tow Truck Insurance Detroit Michigan- Quotes 7 Days Per Week!

Call Pathway Insurance when you’re looking for great rates for Tow Truck Insurance in Detroit Michigan and the surrounding areas.

Pathway insurance is a leading independent agency offering Tow Truck Insurance in Michigan, Indiana, Ohio, Kentucky, Minnesota, Maryland, Tennessee, Georgia and Florida.

Call 1-800-998-0662 or click on Tow Truck Insurance Detroit Mi.

We also serve the below areas whereas you can request quotes 24 hours per day:

Michigan Tow Truck Insurance – Don’t Forget This Important Coverage.

Garagekeepers Insurance coverage is an important option that is not included on the Michigan Commercial Auto Insurance Policy.

Garagekeepers Insurance coverage is an endorsement or extra coverage form that must be added to your overall commercial insurance protection for coverage to apply.

Who might want this important protection?

Towing companies
Garages offering auto repair work and body shops
Service stations
Restaurants and hotels with valet parking
Parking lots
Special event operations with valet parking
Carwashes
Any operation which allows customers to leave their cars with them for a fee

When vehicles are left in your custody, the customer has the reasonable expectation that their vehicle will be returned in at least the same condition as when it was left.

Michigan Garagekeepers Insurance coverage extends coverage to the business for many types of perils.

Tow Truck Insurance Detroit Michigan – What Is Covered by Michigan Garage Keepers Insurance?

Please note how one policy reads:

We will pay all sums the “insured” legally must pay as damages for “loss” to a “customer’s auto” or “customer’s auto” equipment left in the “insured’s” care while the “insured” is attending, servicing, repairing, parking or storing it in your “auto dealer operations” under:

Comprehensive Coverage – From any cause except: (a) The “customer’s auto’s” collision with another object; or (b) The “customer’s auto’s” overturn.

Specified Causes Of Loss Coverage – Caused by: (a) Fire, lightning or explosion; (b) Theft; or

(c) Mischief or vandalism.

Collision Coverage – Caused by: (a) The “customer’s auto’s” collision with another object; or

(b) The “customer’s auto’s” overturn.

There sometimes is a bit of confusion about Comprehensive Coverage and Specified Causes of Loss Coverage.

You need to purchase one or the other when you purchase Michigan Garage Keepers Insurance, you do not get both.

Specified Causes of Loss Coverage is obviously less expensive because it covers fewer things.

What’s tricky about Specified Causes of Loss Coverage is that the named perils can be different between companies.

You might notice that collision with an animal is missing under the above listed Specified Causes of Loss Coverage form.

Some companies cover collision with an animal, while other companies do not.

It’s super important to understand what is covered by your policy as you’re shopping for Tow Truck Insurance in Detroit Michigan.

One of our agents can help you choose a coverage that you feel is best for your circumstances.

Detroit Michigan Tow Truck Insurance – Call Us Today for Quotes and Same Day Coverage.

As a leading independent agency in Michigan offering great rates for Towing service companies and Garages we can help you find the commercial truck insurance you need for your business.

Call 1-800-998-0662 Monday through Friday 9 AM to 5:30 PM or to receive quotes seven days per week click on Tow Truck Insurance Quotes Michigan.

Our online agents are available 7 days per week – Get a quote right now!

We also offer tow truck insurance in the following local areas:

The post Tow Truck Insurance Detroit Michigan first appeared on Pathway Insurance.