Tag Archives: tow truck insurance in Louisiana

Metairie Terrace Tow Truck Insurance

Tags:

Metairie Terrace Tow Truck Insurance – Call Today!

Metairie Terrace Tow Truck Insurance

Looking for the best rates on Tow Truck Insurance in Metairie Terrace Louisiana and the nearby areas? Then you’ve come to the right place.

We are Jeff Davis Insurance, a leading insurance agency in Louisiana. As an independent agency we have the tools necessary to help our customers find appropriate and affordable coverage on Tow Truck Insurance in Louisiana.

You can call us today at 337-824-4455 to speak with one of our friendly and experienced agents.

Metairie Terrace Tow Truck Insurance – Exclusions of Coverage. 

This week we will continue the theme of exclusions of coverage. To jog your memory in case you forgot what that means, exclusions of coverage are specific situations pointed out in the language of an insurance policy for which coverage would not be approved by the insurance company.

At Jeff Davis Insurance, the advice we give our policyholders when it comes to exclusions of coverage is to read your policy very carefully! 

If you want to know what is and, more importantly, is not covered on your Louisiana Tow Truck Insurance policy so that you aren’t hit with a surprise in the future, then reading the policy truly is the best way to achieve that. 

With that in mind let’s continue our claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage.

Tow Truck Insurance Metairie Terrace – Coverage Scenario Continued. 

When last we left off, Biff had filed a lawsuit Pro Se (meaning he will be representing himself instead of hiring a lawyer) against his employer, Marty’s Repair and Tow. 

Shortly after filing the suit, however, Biff received a phone call from the attorneys representing Marty’s insurance company informing Biff that he simply has no grounds for a case. If he doesn’t drop the lawsuit, they will petition the judge for a Declaratory Judgment. 

Biff rudely tells the lawyer to hold for a minute while he looks something up. 

He ambles over to his computer and hurriedly looks up the definition of a declaratory judgment on Wikipedia: 

“…a form of legally binding preventive adjudication by which a party involved in a… legal matter can ask a court to conclusively rule on… the rights, duties, or obligations of one or more parties in a civil dispute” -Wikipedia 

Biff is no legal rocket scientist but he thinks he can still bluff his way into a large settlement. He gets back on the line and tells the lawyer this:

“My wife and I got injured and we are due for some compensation!” 

The lawyer, quickly detecting Biff is not the sharpest tool in the box, mentions that he might be eligible for workers compensation under his employer’s policy. 

Biff only gets angrier as he is looking for the BIG payout. 

“That ain’t good enough, you hear?” Biff screams into the phone. 

The lawyer decides the best course of action is to email Biff the policy language in the insurance policy. 

“Let me do this, Biff; I’ll email you a copy of Marty’s tow policy and highlight what it states. Then, how about we speak again by phone in a few days?” 

Biff reluctantly agrees.

We will conclude our article next week by examining the legal language of the commercial auto insurance policy.

Metairie Terrace Tow Truck Insurance – It’s More Complicated than You Think!  

Commercial insurance is more complex than you might think and for that reason you need an agency than can help you find the coverage you need. 

Why not call the agents of Jeff Davis Insurance today to see how we can help? 

Our number is 337-824-4455 and we are here to answer any tough insurance question you may have.

We also offer Louisiana Tow Truck Insurance in the following areas: 

  • Tow Truck Insurance Zachary Louisiana
  • Tow Truck Insurance Monticello Louisiana
  • Brownfields Louisiana Tow Truck Insurance
  • Baker Louisiana Tow Truck Insurance
Tags:
More Galleries | Comments Off on Metairie Terrace Tow Truck Insurance

Tow Truck Insurance Shreveport Louisiana

Tags:

This gallery contains 7 photos.

Tow Truck Insurance Shreveport Louisiana – Great Rates are a Call or Click Away!

Tow Truck Insurance Shreveport LouisianaTow Truck Insurance in Shreveport Louisiana and the surrounding areas can be hard to find, but the agents at Jeff Davis Insurance have you covered.  

For more than 50 years Jeff Davis Insurance has cared for the needs of tens of thousands clients throughout the state of Louisiana. 

We have the knowledge and tools to help you find the best options for Tow Truck Insurance in Louisiana, because we are a leading independent insurance agency.  

Call 337-824-4455 to speak with one of our tow truck insurance specialists.  

We offer competitive insurance solutions for all kinds of towing operations, whether they’re repair garages, dealerships, or dedicated towing services.  

Tow Truck Insurance Shreveport Louisiana – Exclusions of Coverage Concluded.

You may recall from our previous article that we have been looking at the importance of understanding your insurance policy’s exclusions of coverage.

Where we left off in our story, Eustace had just submitted an insurance claim and put the whole gasoline spill incident out of his mind. Let’s find out what became of that claim… 

A few weeks later, Eustace receives a letter from his insurance company detailing their assessment of Eustace’s claim. In a nutshell, they have agreed to cover the damage to the tow truck caused by the collision and the Tanker truck up to $50,000. 

However, Eustace’s insurance company will not cover any environmental damage or cleanup costs caused by the gasoline spillage.  

In other words, Eustace must find a way to pay for the hundreds of thousands of dollars in environmental damage and cleanup out of his own pocket. 

Eustace doesn’t have that kind of money laying around and unfortunately bankruptcy might be his only alternative, which in turn could mean the liquidation of Bojangles Flatbed & Tow.  

Why Was Eustace’s Claim Denied for the gasoline that spilled out?  

Take a look at this exclusion of coverage detailed in his policy:  

Covered pollution cost or expense does not include any cost or expense arising out of the actual, alleged, or threatened discharge, dispersal, seepage, migration, release, or escape of pollutants:  

a. That are, or that are contained in any property that is:

(i) Being transported or towed by, handled, or handled for movement into, (ii) Otherwise in the course of transit by or on behalf of the insured; or (iii) Being stored, disposed of, treated, or processed in or upon the insured.

Eustace’s policy does not cover “any cost… arising out of the… seepage… of pollutants that are… being towed by… the insured.”  

It is good to know about the exclusions of coverage before a claim occurs, would you not agree? 

Tow Truck Insurance Shreveport Louisiana – Call Today!  

If Eustace had read and understood his policy, he might have recognized that he was not covered for towing a tanker full of gas and could have avoided the situation altogether.  

Don’t be like Eustace. Call the agents at Jeff Davis Insurance to get answers to your questions about exclusions of coverage, and find the coverage that fits your needs.  

Call 337-824-4455 Monday through Friday 8:30 AM to 4:30 PM (CST). Let us shop the market to find the best coverage options on Tow Truck Insurance in Shreveport Louisiana. 

We also offer Louisiana Tow Truck Insurance in the following areas:  

  • Tow Truck Insurance Lafayette Louisiana
  • Tow Truck Insurance Lake Charles
  • Bossier City Tow Truck Insurance
  • Tow Truck Insurance Kenner Louisiana
Tags:
More Galleries | Comments Off on Tow Truck Insurance Shreveport Louisiana

New Orleans Tow Truck Insurance

Tags:

This gallery contains 1 photo.

Same Day Coverage – New Orleans Tow Truck Insurance.

New Orleans Tow Truck Insurance QuotesIf you need coverage for New Orleans Tow Truck Insurance you have found the right company!

Jeff Davis Insurance offers a super competitive Tow Truck Insurance Program throughout the State of Louisiana.

Call 337-824-4455 and speak to the representatives of Jeff Davis Insurance right now!.

We are a leading independent agency specializing in Tow Truck Insurance in Louisiana and in most cases we offer same-day coverage for up to 10 vehicles.

If you are a new towing service company or a well-established firm, we have the markets to help you find the protection you need.

Great Coverage and Advice for Louisiana Tow Truck Insurance Is One Call Away!

As a business owner you need good coverage to protect yourself financially. You should never settle for cheap coverage without advice from a company caring for your trucking insurance. 

As an agency we work with top rated companies but we also provide helpful tips and advice to protect you financially.

The bad news is that some companies selling Tow Truck Insurance in New Orleans will not lift a finger to help you if you have a claim.

This is where we at Jeff Davis Insurance are different.  We offer a Claims Advocacy Program to help the claims process run smoothly and efficiently.

For example if you are involved in an accident even if it’s not your fault, what steps should you take?  Following the company’s requirements you are insured with is step number one.

Steps to Take If You Are Involved in an Accident with Your Tow Truck.

Note how one insurance company defines the actions that policyholders need to take:

For coverage to apply under this policy, you or the person seeking coverage must promptly report each accident or loss even if you or the person seeking coverage is not at fault. Refer to your policy documents for the claims phone number.

You or the person seeking coverage must also obtain and provide us the names and addresses of all persons involved in the accident or loss, the names and addresses of any witnesses, and the license plate numbers of the vehicles involved.

If you or the person seeking coverage cannot identify the owner or operator of a vehicle involved in the accident, or if theft or vandalism has occurred, you or the person seeking coverage must notify the police within 24 hours or as soon as practicable.

However, for purposes of uninsured motorist coverage when the owner or operator of a vehicle involved in the accident cannot be identified, you or the person seeking coverage must notify the police no more than 30 days after the accident.

In next week’s issue we will consider other important steps that must be taken for coverage to apply with your Policy.

Great Rates and Coverage for Tow Truck Insurance in New Orleans.

As a business owner you are likely very busy and the last thing that you need is spending hours on the phone looking for better deals on tow truck insurance in New Orleans Louisiana.

We not only can save you time but we will find the coverage you need at an affordable price.

Why not call us today at 337-824-4455?

Our licensed agents are available Monday through Friday 8:30 AM to 4:30 PM Central standard Time.

Need insurance in other areas?  Note some of the additional areas we serve:

  • Kenner Louisiana Tow Truck Insurance
  • Tow Truck Insurance Gretna Louisiana
  • Belle Chasse Tow Truck Insurance
  • Tow Truck Insurance Terrytown Louisiana
  • Chalmette Louisiana Tow Truck Insurance

 

Tags:
More Galleries | Comments Off on New Orleans Tow Truck Insurance

Commercial Tow Truck Insurance Louisiana

Tags:

This gallery contains 1 photo.

Commercial Tow Truck Insurance Louisiana Quotes Available From Top Companies!

Commercial Tow Truck Insurance LouisianaIf you own a garage providing towing services or a tow truck company you need the best options for commercial tow truck insurance in Louisiana.

Jeff Davis Insurance provides insurance for thousands of individuals and companies in the state of Louisiana and you can count on us today and tomorrow when shopping for tow truck insurance in Louisiana.

Call 337-824-4455 to speak with our licensed representatives. 

Make sure Your Liability Limits Are Sufficient.

One of the most important steps that should be taken when shopping for tow truck insurance in Louisiana is to make sure you purchase sufficient liability limits to cover your financial interests.

For example one fairly large tow truck company operating in multiple states and offering 24 hour per day services, with revenues in excess of $4 million per year, only maintained at the time $1 million of auto liability insurance for its fleet of 22 vehicles.

As a business owner do you believe that $1 million of coverage would be sufficient to cover a company generating more than $4 million in revenue per year?

Example:  A driver working for this company after picking up an abandoned pickup truck at 6 AM in the morning falls asleep at the wheel and plows into a semi-truck that in turn strikes a minivan with two passengers on their way to work causing two fatalities in the minivan.

A subsequent investigation revealed that the driver had been working overtime for the tow truck company and had not slept in 24 hours because of the heavy workload he was under at his company.

A verdict of $3 million +3 million in punitive damages was assessed against the tow truck operation.*

Because the company only had $1 million in liability coverage they were forced to file bankruptcy and liquidate its assets and close its doors.

Could This Happen to Your Business?

While it’s likely true that an accident of this proportion would never occur to your business, what if something similar happened?

As an employer you are not only responsible for your own actions, but of the actions of your employees.

What if you were sued for an amount of money that exceeded your coverage limits on your Louisiana tow truck insurance policy?

Any amount of money not covered by insurance would be the responsibility of the business.

Because of this fact it’s important to choose your coverage limits wisely.

Need Commercial Tow Truck Insurance in Louisiana? 

We can not only help you find the coverage you need, but we can discuss how a commercial umbrella policy can give you added protection for your company.

Call 337-824-4455 to speak with one of our licensed agents when you’re shopping for the best options on commercial tow truck insurance in Louisiana.

Louisiana tow truck insurance also available in the following communities:

  • Commercial Tow Truck Insurance New Orleans
  • Tow Truck Insurance Baton Rouge
  • Tow Truck Insurance Lake Charles
  • Commercial Tow Truck Insurance Shreveport
  • Tow Truck Insurance Lafayette Louisiana
  • Tow Truck Insurance Metairie Terrace
  • Tow Truck insurance Monroe Louisiana
  • Tow Truck Insurance Jennings

*This is a fictitious claims example.

Tags:
More Galleries | Comments Off on Commercial Tow Truck Insurance Louisiana
Tags: