If you have a tow truck, you need to make sure it is adequately protected. After all, this is a valuable investment, so you need to protect it accordingly. When you are looking for tow truck insurance, you are probably looking for protection against severe weather, collision, and expensive repair bills.
On the other hand, what do you have in your tow truck on a daily basis? Is it valuable to you? If so, you need to make sure you protect your tow truck against the possibility of the theft of personal belongings. If someone steals something from your tow truck, is it covered?
What Is the Deductible on Your Insurance Policy?
First, you need to check and see what the deductible is on your insurance policy. The deductible is the amount of money you have to pay before your insurance policy kicks in. Therefore, if the theft of personal belongings amounts to a total financial value that is less than your deductible, it might not be worth filing a claim. On the other hand, if the value of your personal belongings exceeds the deductible, you may want to file a tow truck insurance claim.
What Is the Language in Your Insurance Policy?
Next, you need to take a look at the language in your tow truck insurance policy. Not every tow truck insurance policy will provide coverage against the theft of personal belongings. If you have valuable equipment in your tow truck regularly, you should make sure you purchase a tow truck insurance policy that protects your personal belongings as well. Read the details of your insurance policy to find out more or speak with one of our agents today to help.
You May Need Proof that the Item Was In the Truck
Finally, your tow truck insurance company may require you to provide proof that your equipment was in the truck when it was stolen. In addition to taking pictures of your equipment in the truck, you may want to let the insurance company know upfront what personal belongings you are trying to protect. That way, you will not experience any hiccups if you have to file a tow truck insurance claim related to the theft of your personal belongings.
Protect Your Personal Belongings with the Right Insurance Policy
If you have a tow truck, you have to make sure that you protected accordingly. This includes protecting not only the vehicle but also your personal belongings. If you have valuable equipment in your tow truck, you need to make sure you protect it. Make sure you let the insurance company know of any personal belongings you have in your tow truck regularly. Then, you may want to read the details of your policy closely to make sure they are protected against theft.