Tow Truck Insurance Phoenix Az

Tow Truck Insurance Phoenix Az – Great Rates and Even Better Service!

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Phoenix Az Tow Truck Insurance – Coverage Scenario Part 2

In our previous article (which you can read by clicking Tow Truck Insurance Illinois we introduced you to Rob, a tow truck driver for Ruff n’ Tumble Towing Co., a towing company that specializes in providing towing services to large vehicles.

Rob was sent to tow an oil tank truck stranded in a ditch after an accident on the highway.

While towing the oil tank truck, one of the oil tank’s supports buckled due to damage from the earlier accident, causing a massive oil spill.

Between the damage to the oil tank truck, the oil tank itself, and the environmental cleanup costs, the damages for this event are astronomical.

Rob’s boss files a claim with his insurance company, expecting coverage for the incident under his business auto policy.

What do you think? Will Ruff n’ Tumble Towing Co.’s commercial auto insurance pay for the catastrophic damage in this scenario, as Rob’s boss is certainly hoping?

You may be surprised to find out that the answer is likely no!

But how can this be? After all, the oil spill was an honest mistake, and this was otherwise a pretty typical routine towing job for Ruff n’ Tumble Towing Co.

To find the answer, we need to look at Ruff n’ Tumble Towing Co.’s business auto policy.

Under the policy’s exclusions, the following language can be found:

This insurance does not apply to any of the following:

POLLUTION – Bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, release or escape of pollutants: (1) That are, or that are contained in any property that is: (a) Being transported or towed by, or handled for movement into, onto or from, the covered auto;

Note that the exclusion specifies the “escape of pollutants…being… towed by… the covered auto”.

So according to this exclusion, Rob’s tow truck is not covered for any injury or property damage caused by the oil spill.

The resulting financial fallout from this incident forces Ruff n’ Tumble Towing Co. to sell the business and liquidate its assets.

What can we learn from this hypothetical scenario? Always read and understand your policy.

Having a firm grasp of what your policy covers and does not cover can help you avoid sticky situations like Rob’s debacle with the oil tank truck. If Rob or his boss had been aware of this exclusion they might have handled the situation differently.