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Commercial Insurance

Discussion in 'Commercial Snow Removal' started by steeve34, Feb 2, 2010.

  1. steeve34

    steeve34 Junior Member
    Messages: 15

    Quick question one of my truck was involve in a head on collision with a Ford Focus, the lady that was driven the focus lost control on a icy road and it the plow (Blizzard) the plow need a new A frame, Cylinder a couple new pin. With commercial insurance do you get a replacement truck with a plow or you just have to go with out that truck...

    Steeve

    DSC09910.jpg

    DSC09921.jpg
     
  2. plowguy43

    plowguy43 PlowSite Fanatic
    Messages: 5,269

    They will give you a rental but I doubt there are any out there with plows. Since she was at fault, her insurance will be paying for everything so your insurance really won't come into play other than subrogating the costs of the damages to her insurance.
     
  3. smokin4by

    smokin4by Member
    from indiana
    Messages: 98

    have you ever seen a place that RENTS trucks with plows??? you will get a rental truck, but no plow. if you miss an event, then you would need a lawyer to sue for lost wages if it snows
     
  4. Snowpusher78

    Snowpusher78 Junior Member
    Messages: 18

    check some equipment rental places sometimes they have trucks they rent that are equipped with plows.
     
  5. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Do you have a United rental up there because they do rent trucks out with plows,but good luck at this time of the season.
     
  6. loudredram

    loudredram Member
    Messages: 88

    Also if there is a Hertz rental up by you I know they rent trucks with plows
     
  7. plowguy43

    plowguy43 PlowSite Fanatic
    Messages: 5,269

    You also don't have to shop your truck right away. You can have it repaired after the season if you choose- thats if the plow is still working...
     
  8. smokin4by

    smokin4by Member
    from indiana
    Messages: 98

    you guys are lucky to have places that rent plows. as far as i know around indiana those places mentioned do not do that here. but i guess you guys might be in a better market for that.
     
  9. steeve34

    steeve34 Junior Member
    Messages: 15

    Talk to my insurance

    I talk to the insurance adjuster yesterday, there is 5800$ damage on the blizzard plow and 3000$ damage on the truck. They should give us the OK today to get everything fix. The good thing is there not calling any snow for the next week + .

    Steeve
    tymusic
    Dodge Ram 1500 Blizzard
    F250 Meyer
    45" Troy-bilt Blower
     
  10. dforbes

    dforbes Senior Member
    Messages: 247

    If I needed the plow to complete the route and could not find one to rent I would either rent a bobcat or piece of equiptment to do the route or hire a sub to do the route and turn the bills into the insurance company. I am sure they will tell you they wont pay but they really have no choice. They can not expect you to lose customers or income from this.
     
  11. lumps

    lumps Senior Member
    Messages: 365

    How can you have $5,800 in damage on a $5,000 plow??
     
  12. plowguy43

    plowguy43 PlowSite Fanatic
    Messages: 5,269

    Sometime's replacing parts on something cost more than buying a complete one.

    Example- If you were to buy all of the parts from Toyota to build a Toyota Camry yourself, it would be over $90,000.

    A Hyundai Sonata- $43,000 +

    That could be why.
     
  13. lumps

    lumps Senior Member
    Messages: 365

    Very true. Plus all the labor to tear down and rebuild. I just think it's amusing, haha.
     
  14. cretebaby

    cretebaby PlowSite Veteran
    Messages: 4,162

    You don't have a United Rentals or a Hertz inyour area?
     
  15. steeve34

    steeve34 Junior Member
    Messages: 15

    The plow

    The plow itself was bought Dec 14 2007 for 5999$ (inc. Tax and install) now with everything going up they probably worth more then that, and I agree there is probably many hours to take it apart and rebuild it with new parts and it's probably at 90$ an hours.

    Steeve
     
  16. LwnmwrMan22

    LwnmwrMan22 PlowSite Fanatic
    Messages: 27,999

    Your adjuster is a moron if there's $5800 damage to the plow and they're going to FIX it.
     
  17. My bowtie

    My bowtie Senior Member
    Messages: 279

    I was thinking the same thing...Just dont make sence. They wouldnt fix a 25k truck if it was gonna cost 24k to fix.......
     
  18. steeve34

    steeve34 Junior Member
    Messages: 15

    They dont know better

    I dont think they know to much about plowing....

    Steeve

    Dodge Ram 1500 Blizzard
    F250 Meyer
    45" Troy Bilt
     
  19. LwnmwrMan22

    LwnmwrMan22 PlowSite Fanatic
    Messages: 27,999

    It's not whether or not they know anything about plowing.

    You paid $5,800 +/- for your plow 2-3 years ago.

    I just priced out a new Boss V installed for $6,200. Both of these prices are including the whole truck side, all the wiring, controller, etc.

    You're telling me, they're going to put $5,800 into putting this plow back together, when they could buy a whole NEW plow (truck parts not withstanding, or wiring, or controller) for around $4,500? THEN sell your broken plow for parts?

    You didn't say anything was wrong with the moldboard, hoses, cutting edges, parts that would easily be worth $1,000 in parts.

    Now they're only into your plow for $3,500.

    Again, something doesn't add up.
     
  20. stotts1

    stotts1 Member
    Messages: 42

    i doubt many if any insurance adjusters are willing to put in the time to "try" and part this plow out. most have no idea what these are worth or how to move them.