Rules and Regulations – you just can’t get away from them, especially if you support your customers with Tow Truck services!
The Arizona Department of Public Safety had a number of regulation changes as far back as 2008 – having been approved by the Governor’s Regulatory Review, and included in the Arizona Administrative Code, Title 13, Chapter 3. I doubt you are going to run to the library and search the statutes; this is just the kind of information I know most rig owners don’t count as casual, or even interesting, reading, but certain feel it warrants a summary view – just to keep you informed.
Much of the language addresses the inspections required, including “unannounced, in-service inspections of a tow truck at the roadside, at the company’s place of business, or any reasonable time and place to determine condition of the tow truck.”
Arizona Tow Truck Insurance
I also want you to be correctly informed about Tow Truck Insurance – it obviously is a “must have” since the financial risks you incur in operating one can far exceed those of a personal vehicle. It is extremely important, then, that you have the right insurance to protect both yourself and your towing business from potential risks.
One important fact you should keep in mind when considering commercial insurance is that not all towing companies are created the same! What may be necessary for Dave’s Duo Drivers down the street may not be requirements for your particular level of service. Fortunately, as an Arizona Independent Insurance Agent, I have access to the requirements and the coverages – allowing me to help you customize your policy to exactly fit your business’ needs. I will review your needs, relative to the bodily injury and property damage requirements of Liability Insurance, and determine which collision, comprehensive, and uninsured/underinsured motorist coverage is adequate.
Not only do you have to worry about your own asset, you assume responsibility for the vehicles you are towing, which opens the conversation to other types of insurance, such as On-Hook Towing and Garage Keepers Legal Liability. Fortunately, unlike Colorado and a number of other states, Arizona does not require you submit filings to certify your tow truck meets the state’s required insurance laws! The commercial insurance carrier is responsible for that submission; you can count on my knowledge, to discuss this issue should you have any concerns.
Another issue I find some new towing service operators are not fully apprised of… the impact of towing repossessed vehicles. It is not uncommon to have a difficult time securing coverage, due to the extra risked related to what is often considered an unsavory event. As an Independent Insurance Agent, I have the privilege of having multiple carriers to shop from… finding the commercial policy that will work for you – saving you time and confusion of shopping it alone.