Tow Truck Insurance Coverage in California
The insurance program is specialized insurance for tow trucks. It covers wrecks and covers expenses in terms of emergencies and accidents. Byt the overage is different and is up to the program.
Working or operating tow trucks comes with significant risk. They are working on the side of the road during bad weather conditions. A tow truck insurance in California cannot prevent a tragedic incident from happening. However, it provides operators financial protection and avoids a heavy financial loss.
What businesses in California should have tow truck insurance?
The answer is a bit obvious. The towing services that operate in California need a towing insurance policy. What does the state law say about it? It requires operators to have minimum coverages, but extra protection is advised as there could be a severe emergency.
The following groups must have tow truck insurance in California;
- Auto salvage and auction haulers
- Individual owner-operators,
- Roadside service providers
- businesses with fleets of wreckers
- Auto body shops
- auto repair shops that have a wrecker
- Auto mechanical repair shops
- Auto Club contractors
The insurance policies cover various types of wreckers:
- Integrated tow trucks
- Wheel lift tow trucks
- Hook and chain tow trucks
- Flatbed tow trucks
Car transporters are also the other type of business that haul vehicles and need insurance most of the time. Transporters need some of the insurance coverages found in tow trucks most of the time, but their insurance needs are different from what can be found in other insurance policies. David Elist insurance can guide you on the truck insurance in California policies, so you know your needs and pick the best option.
What protections do tow truck insurance in California provide?
The coverage tow insurance in California provides is up to the insurance policy, company, and how much you pay. Some of the most common protections are as comes below;
Medical Payments Coverage
It covers injuries and medical costs caused by accidents.
Tow Truck Liability Coverage (Cargo coverage)
It could cover property damage or third-party injuries while operating.
Garage Services Coverage (Garage keepers)
This policy covers insurance for damage when the car is stored
On-Hook Towing Coverage
It’s for the time the car is damaged during towing.
Comprehensive Coverage
This insurance policy covers wrecker damage that happens during other incidents.
Physical Damage Coverage
This is also for wrecker damage that happens during accidents.
Tow Truck Insurance in California cost
The price or cost you have to pay for tow truck insurance in California is up to various factors. Some of these factors that affect your insurance policy come below;
- Vehicles towed
- Roads driven on
- Operator’s driving record
- Equipment’s year, make, and model
- Location
- Driving history
- Type of towing
You can find out how much you have to pay for your tow truck insurance in California by just giving David Elist insurance a call. We will guide you on your conditions and offer the appropriate insurance policies. You are free to choose the one you deem fit.
Tow Truck Insurance Coverages
These are the most common types of tow truck insurance coverages:
Liability Insurance
This category pays for the injury that drives cause to other people’s vehicles or the drives. It also covers the damage to their property. You would better know that there are two different types of liability coverage:
- Bodily injury liability
- Property damage liability coverage.
Medical Payments Insurance
In case the driver or passenger gets hurt, this category pays the expenses for them. It pays the medical bills and insurance it doesn’t cost the driver.
Physical Damage Coverage
If you have an accident with other cars, such as a fallen tree branch or a collision with another vehicle, it pays for repair to your tow truck. There are three coverages with physical damage:
- Collision insurance,
- Comprehensive insurance,
- Fire and theft.
How can I get tow truck insurance in California?
You are just one phone call away from your tow truck insurance in California. Just give us a call at +818-999-9737. Our experts guide you on the information you need and assist with finding out. When you have information and find out what to do, choosing the right option becomes easier for you.
Tow insurance in California address
You can find David Elist insurance at 20508 Sherman Way, Winnetka, CA 91306, USA. You can always give us a call at +818-999-9737 and ask questions. If you prefer to visit us, we will welcome you warmly and answer all of your questions. Ensure you will find your answers with us and pick the best tow truck insurance in California.
Frequently asked questions about tow truck insurance in California
Do I have to have tow truck insurance in California?
The state law requires you to have minimum coverage for your vehicle.
How much is tow truck insurance in California?
The price is up to your conditions. See the article or give us a call.
Where can I get tow truck insurance in California?
David Elist is the best insurance company you can get your insurance with.
