You must carry proper truck and snow plow insurance on your property in the State of Michigan. The insurance for your truck is its own policy, but you must carry a policy that involves your snow plow. This page explores truck insurance policies that cover your snow plow, and you should use this information to assure you purchase a policy that protects you and your operation.
#1: Insurance For Your Truck
The insurance policy for your truck will cover your vehicle, and you may make additions to your insurance with your agent. Your agent will help you create an affordable policy, and you can use the money you saved to add a rider to the policy. One policy will cover your truck and snow plow, but you must work with an agent to create the right policy to cover your plow.
#2: The Rider
The rider on your policy pays for the snow plow, and the rider is valued based on the price of your snow plow. You cannot take out a rider that is more valuable than the equipment, but you must ensure that your insurance agent has information for your snow plow on-file. You will make one payment for the whole policy, and you must keep information for both the policy and the rider in your truck.
#3: What Coverage Do You Receive?
The coverage for your truck and snow plow covers damage to your property and someone else’s property. Damage to your truck or snow plow can be paid out immediately, and damage to someone else’s property must be paid after an accident. You are liable under the law to carry insurance, and the insurance policy you carry will help you avoid paying out of pocket for any undue damage your truck or snow plow causes.
#4: Must Your Snow Plow Be Attached To Your Truck?
The insurance for your snow plow does not bind your truck to your snow plow. The snow plow may be left on your property at any time, and the insurance still covers the device. Your truck’s insurance policy will protect your truck on the road, and the insurance you carry covers both vehicles when they are working together. Ask your agent for a policy that protects both devices regardless of their location.
#5: How Much Will Your Pay?
You can find cheap truck insurance that will cover your vehicle, but you must choose a policy that covers your truck completely. A policy that does not offer you enough coverage will feel worthless, and a policy that does not offer a rider will miss the mark with your snow plow.
You need a snow plow and truck to work your property in Michigan, and you must purchase insurance that protects you in every way possible. A proper insurance policy will keep your truck on the road, your snow plow working and money in your pocket. Consider how much insurance you need for your vehicle, and ensure that you are comfortable with your policy before you drive your truck and snow plow.