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Tow Truck Insurance
If you fall under any of the following categories, chances are you (or your employer) need tow truck insurance:
- Truckers and other commercial drivers
- Independent tow truck owner operators
- Auto repair shops
- Fleet motor carriers
Keep in mind these are just a few of the kinds of occupations that require commercial auto insurance that will meet state guidelines for tow trucks. Keep reading for more information.
About Tow Truck Insurance
Failure to carry liability insurance on your tow truck could cost you hundreds or thousands of dollars. For example, if you are involved in an auto accident and a car you are towing skids into a school van, you would be responsible for paying medical expenses and property damages related to the accident out of your own pocket.
Commercial drivers and truckers who must carry tow truck insurance cross several industries. For example, types of tow truck drivers and businesses that need tow truck insurance include:
- Roadside service providers
- Auto salvage firms
- Auto club contractors
- Rotational towing
- Auto repair shops
- Auto body shops
- Full-service gas stations
Types of Commercial Auto Insurance for Tow Trucks
The types of commercial auto insurance you can get on a tow truck include:
- Bodily injury coverage
- Fire and theft coverage (i.e. physical damage coverage}
- Collision and comprehensive coverage
- Uninsured/Underinsured motorist coverage
Comprehensive insurance protects you if your tow truck is damaged due to a non-auto accident related event (e.g. fire, snowstorm). Comprehensive insurance, as well as fire and theft insurance, would protect you if your tow truck was stolen or damaged due to a fire.
If you operate your tow truck in inclement weather, make sure that you get enough insurance on your vehicle. If you do not, you will be responsible for property and bodily injury damages that exceed the amount of insurance listed in your insurance policy.
Uninsured and underinsured tow truck insurance coverage protects you in the event that you or your tow truck suffer damages caused by a driver who did not have any or enough auto insurance to cover the damages that were made to you or to your tow truck. When you consider the numbers of people who do not have any or enough auto insurance, getting this coverage makes good sense.
Bodily injury and property damage insurance are standard forms of liability insurance that all motor vehicle owners are required to carry by state laws. Failure to keep the minimum levels could cause you to receive fines or penalties. You could also have your commercial driver’s license suspended or revoked.
How to Shop for Tow Truck Insurance
Shopping for tow truck insurance is similar to shopping for any other kind of vehicle insurance.
To get a well-rounded selection of quotes, contact three or more insurance companies and compare rates before you buy a policy. Keep in mind the amount of coverage that you would receive from your insurance company should your tow truck suffer damages depends on the amount of coverage that is written into your actual commercial auto insurance policy.
In This Section
Other Topics in This Section
- Liability Insurance For Commercial Vehicles
Guide To Liability Insurance For Commercial Vehicles. CDL Holders Learn More On Commercial Auto Insurance And Liability Coverage With This Online Guide.
- Property Damage Coverage For Commercial Vehicles
Guide To Property Damage Coverage For Commercial Vehicles And Commercial Drivers. Learn More On Auto Insurance Policies That Cover Physical Damage For Commercial Vehicles.
- Business Auto Insurance
Online Guide To Business Auto Insurance. Determine If You Need Commercial Auto Insurance For Your Business Whether You Employ Commercial Drivers Or Not. We Cover Common Car Insurance Questions And More.
- Bodily Injury Coverage For Commercial Vehicles
Learn More On Bodily Injury Coverage And Commercial Auto Insurance. Get Online Info Regarding Personal Injury And Car Insurance For Commercial Drivers And Those With A CDL.
- Physical Damage Insurance For Commercial Vehicles
Guide To Physical Damage Insurance For Commercial Vehicles. Find Online Info On Commercial Auto Insurance And Collision Coverage. Auto Accidents Can Be Pricey Without Adequate Car Insurance.
- Comprehensive Insurance For Commercial Vehicles
Learn More On Comprehensive Insurance For Commercial Vehicles. We Simplify Commercial Auto Insurance And Comprehensive Coverage. Prevent Auto Accident Headaches With Adequate Car Insurance.
- Uninsured Motorist Insurance For Commercial Vehicles
Protect Commercial Vehicles With Uninsured Motorist Coverage. Learn More On What Uninsured Motorist Insurance Covers If There Is An Auto Accident Involving Uninsured Drivers.
- Personal Injury Protection For Commercial Drivers
More On Personal Injury Protection For Commercial Drivers. We Cover Commercial Auto Insurance, Personal Injury, Liability Insurance And How To Cover Commercial Vehicles.
- Medical Payments Coverage For Commercial Drivers
Info On Medical Payments Coverage For Commercial Drivers. Get More On Commercial Auto Insurance Policies That Cover Personal Injury And Medical Bills From An Auto Accident.
- Pickup Truck Insurance
Learn More On Pickup Truck Insurance And Commercial Auto Insurance. Some Business Needs Include Auto Insurance And Truck Insurance For Commercial Drivers And Other Employees.
- Van Insurance
Learn Who Needs Van Insurance. This Online Guide To Car Insurance For Vans, Commercial Drivers And Other Business Purposes Makes Commercial Auto Insurance Easy To Understand.
- Snow Plow Insurance
Learn More On Snow Plow Insurance And Commercial Auto Insurance For Your Business. Commercial Drivers And Business Owners Can Get Info Online On Covering Snow Plows With Adequate Insurance.
- Box Truck Insurance
Guide To Box Truck Insurance. Info On Who Needs Box Truck Coverage. Private Carriers, Truckers And CDL Drivers Can Learn More On Liability Insurance And Physical Damage Coverage Online.
- Dump Truck Insurance
Info On Dump Truck Insurance For Operator Owners, Small Fleet And Large Fleet Trucking Companies. Learn More On Commercial Auto Insurance, Liability Insurance And Physical Damage Coverage.
- Underinsured Motorist Insurance For Commercial Vehicles
Guide To Underinsured Motorist Insurance For Commercial Vehicles. More On Commercial Auto Insurance And Underinsured Motorist Coverage For Auto Accidents With Underinsured Drivers.
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