What towing risks exist if my truck is in an accident and I have split coverages? Having a driver involved in a crash is stressful in itself, but motor carriers may compound a bad situation if their liability, physical damage, and cargo coverages are split between multiple insurers.
Splitting coverages invites confusion and communication breakdowns between parties involved. As a motor carrier anxiously awaits resolution of the claim, the disjointed parties involved must determine who has coverage for each claim and what the policy limits are, and then coordinate clean up, towing, salvage, and storage of cargo, to name a few tasks.
