Ok, since Mick brought this up in anouther thread, I thought it would be a good idea to review and discuss in a seperate topic.
Quote by Mick - "My agent said my regular vehicle insurance is all I need for plowing."
I had State Farm as my insurance provider for 9 years and just switched to Allstate.
Keep in mind about 95% of my snowplowing work is residential!
I have plowed for 10 years with as many as 6 trucks. During that time, I was always told that my carrier would cover ANY damages, if I was plowing residential accounts. The agent said "as long as I was not doing commercial work, it did not matter"; This question would be asked every couple of years, and this was the repeated statement.
They even claimed that any other driver would be covered, even when/while/or in route during a snowplowing event. My old agent stated that this was due to the # of times the driver would be using the truck. Since we only get around 10 snowfalls a year, the insurance company stated they did not have a problem covering any driver due to the avr. # of times using the truck. Something about normal insurance covering occasional, other users, and this would never be a factor.
After 10 years of coverage, I have had three minor damage claims that were submitted to my insurer.
2 - Were garage doors, that the insurance company said they would pay for. Both were hit by employees. I chose to fix the garages myself.
1 - Was an automobile accident that one of my drivers got into. He was hauling salt from the supplier, and was following to close to anouther car. When the car stopped, he turned to avoid it, and sideswiped the entire length. Then the trailer took out the rear bumper, rear quarterpanel and door. The damages were around $4000.00. They knew who was driving, and new what we were hauling salt. They did not say a word, and paid the claim.
When I switched to Allstate, due to my cousin getting into the business, he basically told me the same story that State Farm did.
I even asked him to double check, and he came back to me with the same answer.
I have checked into commercial insurance for covering all my trucks. It would put me somewhere over $25,000. a year for coverage. I did pay $2,500.00 last year on my commercial truck for comp. & collision.
Any one else have the same experiences. All comments are welcome.
Chuck B.
Quote by Mick - "My agent said my regular vehicle insurance is all I need for plowing."
I had State Farm as my insurance provider for 9 years and just switched to Allstate.
Keep in mind about 95% of my snowplowing work is residential!
I have plowed for 10 years with as many as 6 trucks. During that time, I was always told that my carrier would cover ANY damages, if I was plowing residential accounts. The agent said "as long as I was not doing commercial work, it did not matter"; This question would be asked every couple of years, and this was the repeated statement.
They even claimed that any other driver would be covered, even when/while/or in route during a snowplowing event. My old agent stated that this was due to the # of times the driver would be using the truck. Since we only get around 10 snowfalls a year, the insurance company stated they did not have a problem covering any driver due to the avr. # of times using the truck. Something about normal insurance covering occasional, other users, and this would never be a factor.
After 10 years of coverage, I have had three minor damage claims that were submitted to my insurer.
2 - Were garage doors, that the insurance company said they would pay for. Both were hit by employees. I chose to fix the garages myself.
1 - Was an automobile accident that one of my drivers got into. He was hauling salt from the supplier, and was following to close to anouther car. When the car stopped, he turned to avoid it, and sideswiped the entire length. Then the trailer took out the rear bumper, rear quarterpanel and door. The damages were around $4000.00. They knew who was driving, and new what we were hauling salt. They did not say a word, and paid the claim.
When I switched to Allstate, due to my cousin getting into the business, he basically told me the same story that State Farm did.
I even asked him to double check, and he came back to me with the same answer.
I have checked into commercial insurance for covering all my trucks. It would put me somewhere over $25,000. a year for coverage. I did pay $2,500.00 last year on my commercial truck for comp. & collision.
Any one else have the same experiences. All comments are welcome.
Chuck B.
I am soooooo confused about insurance policies. Everyone tells me a different story it seems.
