Tow Truck Insurance Houston | Pathway Insurance

Tow Truck Insurance Texas

WIN Admin — Tue, 29 Nov 2016 21:19:55 +0000

Tow Truck Insurance Texas – Low Rates & Coverage Seven Days per Week!

If you own a Towing Company, Repair Garage, or Car Dealership and you are looking for a better deal on Tow Truck Insurance in Texas contact Pathway Insurance by dialing 1-800-998-0662 Monday through Friday up until 5 PM CST to speak with our licensed agents.

You can also reach us on Saturday or Sunday by using our online chat system.

Simply click our chat button on the right side of our website if you are using a desktop or notebook computer, or if you are using a tablet or smart phone our chat icon should be right in the middle of your device.

Pathway specializes in all types of Commercial Truck Insurance in Texas + we offer seven day per week service for customers, or future customers.

We offer competitive rates on Tow Truck Insurance in Texas, Minnesota, Florida, Georgia, Tennessee, Kentucky, Ohio, Indiana, Michigan, and Maryland.

Tow Truck Insurance Texas— Serving All Cities in Texas, Day or Night!

We are not your average insurance broker! First of all we offer seven day per week service as was mentioned above throughout the state of Texas.

If you need a new quote, or if you need new coverage, or you need service on your existing policy we can help you Saturday and Sunday as well as during the week.

Simply send us a request to speak with an agent on our website and you will be connected to a licensed representative. Wait times are typically one minute or less when using our chat system.

Additionally you can use our online submission system to send us a request for information or quotes 24 hours per day by clicking the links you see below based on location:

Tow Truck Insurance Texas— New Business or Well-Established, No Problem!

No matter if you are a new or well-established business we can help you find great rates on Texas Tow Truck Insurance choosing from a number of companies we represent.

Please keep in mind that the premium rates for a well-established company with a loss free track record over five years will be less money compared to a new business venture with no historical track record.

Why?

Insurance companies like to base their premium estimations on historical track records. A company with a proven loss free track record would merit a lower rate.

A new business venture is unknown and potentially could cost the insurance company $1 million their first month of operation. (Or more)

Example: Tim Wilson after three months of experience working for Ajax Tow Service decides he can do this all on his own and get paid all of the money himself versus working for his boss Rocky Bulldog Smith.

Tim borrows money from his dad, a retired successful heart surgeon, and starts his own tow company called Tiny Tim Towing. Tim is 23 and a hot shot driver, a HUGE fan of Fast and Furious.

Tim buys a truck and a $2 million policy from a local agent. Six weeks later on a Saturday afternoon after picking up a wrecked car Tim gets a text message from his girlfriend Stephany.

Tim takes his eyes off the road for 3-4 seconds as he is texting Stephany back and did not see a car stop in front of him suddenly due to slowing traffic ahead and Tim slams into a Ford Focus going about 40 miles per hour completely demolishing the vehicle and sending two passengers by air care to the hospital.

The driver of the Ford Focus died later that evening and the other passenger was permanently disabled.

Tim’s insurance company paid the maximum allowable to the estate of the deceased driver and other injured party of $2 million.

The above example explains why new business ventures are not only more expensive to insure but there are fewer companies willing to take on new companies.

But no matter if you are a new business or well established company we can help. Why not call us today?

Tow Truck Insurance Texas— Don’t Make This Mistake on Your Insurance!

When you’re looking for new quotes on Texas Tow Truck Insurance make sure you keep in mind this term —Full disclosure.

What’s that mean? It means you should not leave out details about your business or try to engage in fake transactions to get lower prices on Texas Tow Truck Insurance.

For example: Bob Bixby, owner of Hulk Towing receives a cancellation notice from his insurance company because of too many claims and accidents. This particular cancellation notice gives Bob three weeks to find new insurance before his current policy runs out.

Bob calls his current agent Jacob to ask him if there is another company he can get insurance with?

Jacob tells Bob he does have another company but the premium rates are triple what they were before. Bob turns green with rage and hangs the phone up on Jacob telling him where he can stick that rate!

Bob calls two other agents that he knows and both tell him he’s uninsurable. Bob talks about it with his wife Vicky that evening knowing well and good he can’t operate his business without insurance because he has to send out certificates on a regular basis.

Vicky makes a suggestion that maybe Bob can ‘sell’ Hulk Towing to their son-in-law Jimmy who works for the company.

“If we pay Jimmy a little extra money he’ll go along with it.” Vicki exclaimed.

Tow Truck Insurance Texas— Insurers are Smarter than You Think!

If you’re trying to pull a fast one on an insurance company it’ll probably blow up in your face.

Let’s see how that happened with Bob Bixby, owner of Hulk Towing.

Bob and Vicky talk to Jimmy the next day and he readily agrees to buy the company for a 1$.

Jimmy ‘buys’ Hulk Towing and comes up with the name: Greenie Meanie Tow Truck Service.

Jimmy calls another insurance agent named Stanley Ernst to ask for new insurance quotes for a ‘new’ tow truck company he just started.

Stanley is a new agent and he dutifully writes down all the information that Jimmy gives to him and he puts some quotes together and calls Jimmy back to let him know what the rate is.

Jimmy tells Stanley he will need to get back with him. Jimmy immediately calls Bob and tells him about the rate and Bob tells him to go ahead and sign up.

Jimmy calls back Stanley a few minutes later and tells him he’s got a deal, send over the paperwork and write it up.

Jimmy doesn’t bother looking at the paperwork and just signs where it calls for a signature and makes a down payment.

Tow Truck Insurance Texas— Busted!

Two weeks later Bob Bixby receives a letter made out to his son-in-law Jimmy from the new insurance company and he opens the letter to find a cancellation notice.

Bob doesn’t even bother calling Jimmy to let him know about the cancellation because he’s a stooge anyway so he calls the new agent Stanley directly to find out why the new policy was canceled.

Bob tells Stanley that he is Jimmy’s assistant. Stanley looks up the information and asks Bob if Jimmy’s company was affiliated with Hulk Towing?

Bob lies and plays dumb by saying, “I don’t think so, who is this company named Hulk Towing?”

“Well apparently the trucks owned by your new company Greenie Meanie Tow Truck Service were owned by Hulk Towing, right?”

“Well that could be true maybe, I can find out for sure and get back to you.” Bob continues as he’s digging a deeper ditch for himself.

Stanley continues, “Well it seems that the insurance company thinks this is what they described here…a sham transaction or purchase and they don’t want to take the chance to insure your company. Did you want us to check with any other companies?”

“Well let me get back with you.” Bob states.

Bob is busted.

He tried to pull a fast one by engaging in a sham sale of his business to a relative to get around the cancellation of his previous policy. Closing one business downs and reopening under a new name.

Here’s the thing about insurance companies if you try to pull a fast one on them— they will find out and they will bust you which will certainly lead to a cancellation or worse, a claim denial if an accident happened.

Tow Truck Insurance Texas—Don’t be like Bob, Tell the Truth!

As you are shopping for new insurance for Tow Truck Insurance in Texas make sure the insurance company knows the complete truth about what you will be doing, trucks that you own, drivers that will be operating your vehicles, and claims history.

If important details are missing from your application you could be on the receiving end of a claim denial down the road, don’t make that mistake!

Pathway Is the Best Place to Call for Texas Tow Truck Insurance Quotes!

Call us right now by dialing 1-800-998-0662 Monday through Friday until 5 PM CST or use our chat system to speak with licensed agents seven days per week.

You can also use our online submission system to send us a request for information or quotes 24 hours per day by clicking the links you see below based on location:

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

Tow Truck Insurance Houston

WIN Admin — Wed, 23 Nov 2016 21:56:19 +0000

Tow Truck Insurance Houston – Quotes & Coverage 7 Days Per Week!

If you are looking for Tow Truck Insurance in Houston Texas or the surrounding areas, the best agency to call is Pathway Insurance by dialing 800-998-0662. Pathway is a leading Independent Insurance Agency in Texas offering same day quotes and coverage seven days per week!

Most insurance agencies keep banker’s hours, we work 7 days per week because you work 7 days per week.

If you find our website on Saturday or Sunday or after 5 PM CST Monday-Friday use our chat system to speak with a licensed agent.

You may also send us a request for quotes 24 hours per day by clicking the links below for your specific area:

Tow Truck Insurance Houston – Harmful Business Mistakes Can Shut You Down!

With many years of experience helping small business owners obtain the coverage necessary to keep a business up and running, we have run across a number of mistakes that Tow Companies, Service Garages, and Car Dealerships have made.

These mistakes have forced some small business owners to pay significantly more money for their commercial insurance or it placed them in a situation where they needed to sell their business because they could not find the necessary insurance to stay in business.

No matter if you are a new business or you are well established it’s easy to make a mistake that can cost you financially.

We would like to share one mistake we have noticed that newer Tow Companies have made that resulted in a closure of their business despite making a significant monetary investment.

Tow Truck Insurance Houston – Don’t Make This Business Mistake If You Buy Another Company

There are a few different ways to learn things in life — We can learn the hard way, or we can learn from the mistakes of others. Learning the hard way will always cost you money, learning from the mistakes of others and not following directly in their footsteps will help you in the long run financially.

Unfortunately, no one will give you a blueprint on steps to take to successfully run your business.

Let’s consider a fictitious claims scenario that is loosely based on a real situation, the names have been changed.

Claims Scenario: Miles Goldberg was an employee working at Jim’s Towing & Repair Shop and Jim hinted around a number of times that Miles should consider buying his company because he was interested in retiring and moving someplace cooler.

Jim’s Towing & Repair Shop mainly concentrates on 24-hour towing service and minor mechanical repairs that include oil and transmission fluid changes. There are 8 employees including Jim, the soon to be retired owner.

Miles thought about it for a while and spoke with his wife, Emily to see what she thought. She didn’t think it was such a great idea because she was worried about expenses. Emily thought that purchasing the business could be a huge mistake.

Instead of listening to his wife, Miles decided to buy the business anyway. He used all of his savings and he borrowed all of the equity in his home despite his wife’s objections. Miles home was in his name only from a previous marriage. Emily was Miles’ fourth wife.

On March 17^th Jim and Miles met with the attorney to finalize the deal. The next day Miles was the proud owner of Jim’s Towing & Repair Shop.

Two weeks later, Miles opens up a letter from the insurance company covering Jim’s Towing & Repair Shop advising him of the cancellation of the commercial insurance policy.

Miles calls the agent and they tell him that because of the previous claims activity, their coverage would be ending next Thursday at 12:01 AM.

Miles was aware of a few of the claims because he caused 2 of them himself. The agent told Miles there were 5 claims in the last 5 years and that they did not have a single company that would cover them because of the claims.

Miles asks the agent if he has any suggestions and the agent tells him he doesn’t know if the business is even insurable!

Oh, oh. Miles knows that if he doesn’t find insurance he will lose all of his contracts including the AAA contract, plus all of the money he paid Jim for the business.

Miles starts calling around and strikes out. No one will insure his business.

Miles comes up with the idea to change the name of the business and apply for a new insurance policy under the new name, assuming that this will give Miles the fresh start he needs.

Will this technique work to help Miles obtain the coverage he needs?

We will find out in a future article.

Tow Truck Insurance Houston Tx – Low Rates, Same Day Coverage 7 days Per Week

When you need Tow Truck Insurance in Houston Texas or the surrounding areas, Pathway Insurance is the only agency you need to care for your business insurance needs for a number of reasons:

We specialize in Tow Truck Insurance and have access to many top rated companies
We are open 7 days per week
We offer a re-shopping service for existing clients.
We provide education videos to help you make better insurance purchasing decisions
We work for you, our tow clients; Not insurance companies.

Why not call us today to speak with our agents? Please dial 800-998-0662 Monday-Friday 9 AM-5PM CST or talk to our licensed agents by using our Chat system built into our website.

Licensed agents are available seven days per week to provide quotes, issue policies, send certificates of insurance, make policy changes, accept payments, answer questions, and file claims.

If you are currently insured, is your agent available 7 days per week? You can count on us to be around when you need us.

Additionally you may request quotes 24 hours per day by clicking the links below for your specific area:

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