Tow Truck Insurance Shreveport Louisiana
Jeff Davis Insurance is a leading independent agency in Louisiana and we have the tools and know-how to help you find the right coverage and best rates for Tow Truck Insurance in Louisiana.
Call us today at 337-824-4455 to speak with one of our licensed professionals. They’re here to answer any and all questions related to your insurance needs.
Tow Truck Insurance Shreveport Louisiana – Exclusions of Coverage.
This week we’re continuing the exclusions of coverage theme. To recap, exclusions of coverage are specific situations pointed out in the language of an insurance policy for which coverage would not be granted by the insurance company.
At Jeff Davis Insurance, the best advice we can give you when it comes to exclusions of coverage is to read your policy very carefully!
It is the best way to fully understand what is and is not covered on your Louisiana Tow Truck Insurance policy.
The following is a claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage:
Shreveport Louisiana Tow Truck Insurance – Coverage Scenario.
Biff McSlickerson drives a tow truck for a company called Marty’s Repair and Tow. He’s known around town by many as a bit of a sleazy guy always trying to make a fast buck at the expense of others.
This is largely due to the fact that a few years back Biff won a fairly hefty sum of money in a controversial civil suit. Biff claimed that he had injured himself after slipping on some spilled product in a grocery store, and sued the Mom and Pop business for damages.
The owners of the store claimed Biff had engineered the injury, but ultimately the court ruled in Biff’s favor.
In the time since winning the case, Biff’s eyes have been bigger than his wallet, and nearly all of the settlement money has dried up. Needless to say, Biff is on the lookout for a new opportunity for some quick cash.
One breezy Tuesday afternoon, Biff’s wife calls him while he’s on the job and tells him she needs a ride to the casino because her car won’t start. Not wanting to make her angry, Biff grudgingly picks her up on the way to his next towing job.
The drive to the customer isn’t a long one, but it feels like an eternity for Biff as he and his wife nag and complain with each other, as they often do. When they arrive, Biff tells his wife to stay in the truck while he hitches up the car, but she follows him out, anyway. The customer just stares awkwardly as the two go at it as if he’s not even there.
Biff is becoming so irate that he’s no longer paying much attention to what he’s doing. Without realizing it, he does not properly secure the attachment to the car. After using his tow truck’s arm to hoist the car up onto its rear wheels, Biff finally notices that he’s been arguing with his wife in front of a customer.
Embarrassed, he beckons his wife to come around behind the truck with him for a moment to quietly finish the matter.
While the couple attempts to end their argument, the improperly attached car comes unhinged and rolls backward. Before they can react, the two are bowled over by the car’s weight and momentum.
When Biff comes to, he notices that his arm might be broken and his wife is completely unresponsive and she’s rushed to the emergency room.
Biff thinks he might be able to figure out a way to sue his employer for this accident… and he smiles with devious delight.
Tow Truck Insurance Shreveport Louisiana – Call Today!
Be sure to check out next week’s article to find out what Biff does next, and how understanding the language of a policy would affect the outcome.
Or you can call the knowledgeable agents at Jeff Davis Insurance today for more questions about Louisiana Tow Truck Insurance.
Call 337-824-4455 Monday throu
We also offer Louisiana Tow Truck Insurance in the following areas:
- Zachary Louisiana Tow Truck Insurance
- Monticello Tow Truck Insurance
- Brownfields Louisiana Tow Truck Insurance
- Tow Truck Insurance Baker Louisiana