Tow Truck Insurance Questions | Ogden Tow

What Ogden Tow Truck Insurance covers

When getting an insurance cover for your towing truck, you have to consider what will be beneficial in case an issue arises in the course of providing towing services. You should go for covers that will get you back to business even if the towing vehicle gets into an accident. Some of the best insurance covers for a towing vehicle are:

Liability insurance: This is mandatory for all towing trucks and covers the following:

Body injury: If the towing vehicle gets into an accident and causes injuries to others, the cover will help in paying the costs.
Property damage: If a towing truck causes an accident and damage the vehicle of another driver, the cover will help in paying for the damages.

Collision: This cover will aid in paying for the cost of any damage to your towing truck in case it is damaged in an accident. If it is damaged beyond repair, the towing truck will be replaced.
Comprehensive: This insurance covers will pay for the repair of the towing truck if it is damaged as a result of other incidents like fire or extreme weather conditions.
Uninsured motorist: This insurance cover will help in paying for the repair of your towing truck in case you are hit by a vehicle that does not have an insurance cover or one that has an insurance cover that cannot cover the damages done to your vehicle.
On-hook towing insurance: this cover will help to pay for any damages to the vehicle that is being towed.
Garage keepers legal liability insurance: This will be needed if you store vehicles on a long-term basis for your clients and will pay for any damages to the vehicles while in storage.

You should choose the insurance cover wisely to avoid getting a cover from an insurance that will not pay for damages in case they occur. Ensure that you get the right insurance covers which will ensure the continuity of your towing business even if an accident or incident occurs.

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