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For the uninsured guys...

Discussion in 'Lawn Mowing' started by fiveoboy01, Jan 16, 2011.

  1. fiveoboy01

    fiveoboy01 LawnSite Silver Member
    Posts: 2,988

    I snipped this from my pictures thread...

    Pay attention all you uninsured guys....

    I was plowing a trucking company lot and I was looking out my lefthand window at a snowpile, wondering where I was going to push it. I happened to be a little farther to the right than I thought. I was backing up, then a jerk and a crunch...


    Tip - Semitrailers don't move

    For you guys who whine that insurance is something you can't afford, wait till you do something like this. I paid $500 out of pocket, without insurance this would have been almost 6K out of my pocket... Remember, insurance is only expensive until you have to use it. Yeah sure, just watch where you're going, yes I get that... But **** happens.

    The floor of the bed was crinkled up, bumper bent and bumper brackets bent. Luckily, I missed the salter by about 10 inches.

    She's good as new now. All new(take off from an '09) bed, new liner... New stickers... Even with an '09 gate haha!


    Point of this thread?

    If you don't have insurance, you should strongly consider it. It can save your ass! The trailer was a bit messed up and if the customer would have wanted it fixed(they didn't care as it was an out of service storage trailer), my liability portion of my insurance would have covered the cost.
    Last edited: Jan 16, 2011
  2. newjerseylandscaping

    newjerseylandscaping LawnSite Bronze Member
    Posts: 1,175

    THis makes me sad. like the new bed though.
  3. Lefet

    Lefet LawnSite Bronze Member
    Posts: 1,887

    Great thread!!!!! :clapping: :clapping: :clapping:
  4. knox gsl

    knox gsl LawnSite Fanatic
    Posts: 5,025

    Amen, these kind of mistakes happen to the best of us and we need to be ready when they do.
  5. lawnpro724

    lawnpro724 LawnSite Silver Member
    Posts: 2,201

    I think when everyone talks about uninsured there talking about business liability insurance and workers comp insurance. I'm insurance poor but glad I have it for just the reason you stated. That was a nice truck I hope you get it back soon. Do you have another truck?
  6. MarcSmith

    MarcSmith LawnSite Fanatic
    Posts: 7,157

    gaurantee that if you had homeowners vehicle insurance and not a business/commercial insurance policy you would have been paying 6k out of pocket...

    if you are running a business, better have commercial vehicle insurance..
  7. mattfromNY

    mattfromNY LawnSite Bronze Member
    Posts: 1,581

    I had a similar outcome a few years back when I was plowing a parking lot. A guy backed out of a parking space while I was backing up, and I hit him. Didn't do much to my truck, but totaled the rear corner of his car. Insurance company told me if I hadn't had commercial auto insurance, I would have been paying for his car out of pocket.
  8. ArTurf

    ArTurf LawnSite Gold Member
    Male, from Ark
    Posts: 3,458

    I have a no backing up policy for my company. Over 90% of accidents happen while backing up. There are very few situations that you cannot avoid backing. I tell my workers it is better to drive around the block than back. A little extra time & gas are much less than an accident costs you.
  9. MarcSmith

    MarcSmith LawnSite Fanatic
    Posts: 7,157

    when plowing, hard not to back up...
  10. fiveoboy01

    fiveoboy01 LawnSite Silver Member
    Posts: 2,988


    It could make sense to implement a policy like that in the summer time but definitely not in the winter.

    Another good point was made, be sure your piece of equipment is insured properly for whatever you are using it for!

    And to answer the question yes we have another truck but this is the only plow truck. Functionally it was fine, just missing a working taillight. So I drove it around for a couple weeks while waiting for the claim to be approved and the body shop to get their butts in gear. That was embarrasing:laugh:

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