Insurance Primer for Newbies Needed - Page 2 - Fiberglass RV


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Old 02-28-2003, 05:38 PM   #15
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Charles, Nancy, we've always had the two-deductible system; you just may not have recognized it 'til now -- Even in just an automobile, any contents not specified in your auto policy fall under your homeowners/renters ins. Found that out when someone broke into a van and took stereo stuf and a toolbox.

Things are easier when all the ins coverages are with one company, but there's still multiple deductible.

If you have an older truck and trailer, there are no deductibles because there is no collision/loss coverage and you self-insure for that kind of thing. Personally, I believe ins is for catastrophic financial events, like liability and cancer, not fenders and broken legs.

Pete and uninsured Rats
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Old 02-28-2003, 06:07 PM   #16
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insurance

It must vary from state to state?!

Our agent, who has been reliable for many years, told us that with our present 2 car auto insurance and homeowners policy, additional insurance wasn't 'required' for the Casita. Other's might look at all the 'what ifs' and disagree. Anyhow, past claims on the house and car have been handled satisfactorily so I'm not gonna change!

The motorhome was another matter. It was 8 years old and sat in the driveway most of the time. We're retired, usually drove only 1 vehicle at a time while we were paying collision and liability on 3. That got expensive! :o

Don in OKC
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Old 03-01-2003, 08:40 AM   #17
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Don,

Ask your agent if you have an accident and destroy the trailer if he will get it replaced. I think he is only covering you for liability and not collision. Also comprehensive should be questioned. Home owners policy's may cover some loss due to thief, but not sure about storm or water damage. And the amount of coverage may not be enough.

I would like to here his answers to these questions, with exact dollar amounts.

Thanks Ron
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Old 03-01-2003, 05:32 PM   #18
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damage

Ron:

My understanding is; 'that as long as it's hooked to the car' collision damage is limited by the maximum amount of our policy (on the car), as if it was part of the car. In the event of an accident I'd suppose you'd get into the 'fault/no fault' thing in order to determine who's to pay.

Insurance, taxes and legal matters bewilder me. :o

I'll check it out. :)
==========

Also, as I understand it, theft of contents (or the entire trailer) applies when it's parked on our property in order to be a homeowners claim, which is OK for us.

Any theft of contents while camping is not likely to meet our deductable.

If the trailer is stolen while (disconnected from the car) camping, it's my loss. This is a chance I'm willing to take.

The coupler is locked, towing or not.
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Old 06-13-2003, 06:45 PM   #19
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trailer insurance

I was browsing this old topic and figured I would add my recent experience. Adding a new 13-ft trailer to my full auto insurance (Farmers) was $57/year plus $10 for towing (as was previously pointed out, AAA does not cover trailers). Seemed like a reasonable cost.
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Old 06-13-2003, 07:59 PM   #20
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Quote:
Orginally posted by Big Eddy

* * * * * (as was previously pointed out, AAA does not cover trailers).
Big Eddy, AAA does cover trailers with their so-called ''RV-Plus'' which is a higher-priced option. However, AAA does not have adequate towing contracted in some areas/states (Colorado, for instance). So, what happens is that they send a tow service out which can tow your car but may not be adequate for the trailer too. AAA-RV-Plus then tells you to ''find another tow service and we'll reimburse you up to a specified dollar amount '', which may likely prove to be inadequate.

Based on the experiences of many members of our local Good Sams chapter, we canned our AAA of 30-some years and switched to Good Sams road service. Not one member of our Good Sams Club has retained AAA and those who have had breakdowns have reported good service from GS. AAA was (were) great with cars, but don't know diddly about trailers. I had always thought that AAA was the ultimate, but they're not.

Eddy, you got a superb deal with Farmers; just make sure there is no unreasonable limit on reimbursement if you have to hire a tow truck yourself. Towing from remote areas like the AZ or UT desert can run hundreds of bucks.
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Old 06-13-2003, 10:11 PM   #21
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Quote:
Orginally posted by George Cathcart
Big Eddy, AAA does cover trailers with their so-called ''RV-Plus'' which is a higher-priced option. ... Based on the experiences of many members of our local Good Sams chapter, we canned our AAA of 30-some years and switched to Good Sams road service.
Thanks for pointing out AAA's PLUS/RV. I'm not familiar with Good Sams but it's nice to know there are several options. In my case it seemed preferable to stay with one carrier.
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Old 06-14-2003, 07:13 AM   #22
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Clarify my earlier post

Quote:
Orginally posted by Big Eddy
Thanks for pointing out AAA's PLUS/RV. I'm not familiar with Good Sams but it's nice to know there are several options. In my case it seemed preferable to stay with one carrier.
We did not switch our insurance to Good Sams--just our road service. In our case, another insurance carrier was a better option.
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Old 06-14-2003, 06:25 PM   #23
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RV Emergency Road Service

I just checked the Good Sam web site.

For $19 you can get a limited list of benifits and the "Opportunity to join Good Sam RV Emergency Road Service from Affinity Road & Travel Club, Inc." :conf

Does anyone know what the RV Emergency Road Service costs?
Thanks
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Old 06-24-2003, 02:54 PM   #24
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A testimonial for Affinity Road Care

Two weeks ago, my wife had a little trouble getting the Jimmy to start - she turned the key, and nothing happened. I checked it when I got home, and was able to start it. Looked like the starter was going. I'm swamped right now with projects, and the starter in this is a bear to get to, so I made an appointment for Friday morning of that week to have it changed. I drove it ok all day Wednesday and Thursday morning. Thursday afternoon, Jenny couldn't start it again. I got home Thursday night and tried to start it to drive it to the shop. No go. It wouldn't start for anything. I tried pounding on the starter motor and every trick I know, and that dude was dead.

As I sat contemplating how I was going to get it into the shop by morning, Jenny reminded me that we had recently signed up for Affinity's RV Road Care. I called them and asked if my situation was covered. The fellow said sure, it was, and said they'd gladly tow it to the shop where I had an appointment. He was very professional and friendly, and said I'd receive a call in "a few minutes" to tell me when the tow truck would arrive. Eight minutes later I received a call, saying a truck would arrive within 45 minutes. Exactly 45 minutes later, the truck arrived - a flatbed. They loaded the Jimmy up, and within 10 minutes were gone. No hassle what-so-ever.

No sooner did I walk back into the house than the phone rang again - it was Affinity, checking to make sure the truck had arrived and that everything was ok.

I was impressed! A very frustrating evening was averted, and replaced with complete satisfaction. Now, with a new starter installed, we're good to go, and I'll definitely re-up my membership with Affinity for next year!

By the way, I signed up for $69.00. I figure I've already recovered that cost.
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