INSURANCE?

[susan b. davis]

What do any of you have in terms of road insurance for vintage trailers? I have AAA Plus for my car etc, but it doesn't cover Kermit ('76 Trillium), I took out specific GoodSam Club insurance for my last trip, but now I have it on top of my AAA (GS also seems to think in terms of big motorcoach things) and really can't afford both, plus some things overlap.. My concern is if the car breaks down & has to be towed somewhere, i sure as heck don't want the trailer to sit abandoned on the side of the road beckoning someone to take it. I want to start doing longer hauls (2 week+?) and this makes me all twitchy. Thanks for any advice.

[mary and bob]

We have the AAA RV option that was only about $20 extra.We are in New York. Have found that it is not available in all states. We also have the Good Sam roadside assistance. Have never used either one so can't rate them. If you only have AAA on your car and break down while towing a trailer you would have to pay for the trailer to be towed. Probably could arrange for that with the AAA service provider that tows the car. And then if you really like to worry you can get Good Sam medical policy too. I'm always getting offers for that. As far as their repair insurance and liability and comprehensive insurance you have to have a camper less than 10 years old.

[susan b. davis]

Originally Posted by mary and bob

We have the AAA RV option that was only about $20 extra.We are in New York. Have found that it is not available in all states. We also have the Good Sam roadside assistance. Have never used either one so can't rate them. If you only have AAA on your car and break down while towing a trailer you would have to pay for the trailer to be towed. Probably could arrange for that with the AAA service provider that tows the car. And then if you really like to worry you can get Good Sam medical policy too. I'm always getting offers for that. As far as their repair insurance and liability and comprehensive insurance you have to have a camper less than 10 years old.

Thanks: It seems "RV towing" (200 mi) is free w/ the AAA Premier tier (I have Plus), which would result in a $50 yearly increase. But I need to call AAA: does "RV" include trailers or is it just motorhomes. Also I am on LeftCoast, everything is higher/not included over here

[floyd]

There are a lot of variables to be considered ...
Start with your capabilities
Can you change a tire?
Can you replace or service a wheel bearing?
Can you do minor electrical or handyman repairs?
These things can frame your needs.
Next,What do you want?
Do you want collision and/or comprehensive?
Do you need only road service and towing?

Check with your car insurance carrier to see what is covered when towing and whether they offer supplementary coverage for the trailer and what kinds for how much.
There are also specialty companies for road service from AAA to AARP to Good Sam.

You might check if your car is under warranty...
My Ford warranty covers road service and towing for my car or my trailer or both.
My car insurance also covers towing for both.

I have separate Comp and collision for my trailer through through the same carrier.

If you are not too close to a large city you may also find that towing would be cheap enough for out of pocket payment.

The best insurance would be to learn a few road service skills so that you can take care of the minor stuff yourself.
Most of all learn how to stay safe and be aware of your surroundings in an emergency.
Remember....

[Glenn Baglo]

What is AAA Plus RV membership?

Adding this valuable protection to your membership extends your four service calls per membership year to include trailers, RVs or other eligible vehicles. RVs: Motorhomes, travel trailers or pickups with campers. Motorcycle coverage available: Includes 100 miles of towing, free fuel delivery and more.

[floyd]

Originally Posted by mary and bob

We have the AAA RV option that was only about $20 extra.We are in New York. Have found that it is not available in all states. We also have the Good Sam roadside assistance. Have never used either one so can't rate them. If you only have AAA on your car and break down while towing a trailer you would have to pay for the trailer to be towed. Probably could arrange for that with the AAA service provider that tows the car. And then if you really like to worry you can get Good Sam medical policy too. I'm always getting offers for that. As far as their repair insurance and liability and comprehensive insurance you have to have a camper less than 10 years old.

My trailer is still covered for comp and collision after 13 years and the value is still five figures.

[k0wtz]

I use state farm cost for the trailer 100bux

bob

[Glenn Baglo]

Originally Posted by k0wtz

I use state farm cost for the trailer 100bux

bob

100bux for what? They tow it to the dump for you?

[k0wtz]

not hardly 100bux for comprehensive 5k


bob

[thrifty bill]

Just check with State Farm and find out how much they will pay for a total loss on your trailer. We have State Farm, their coverage for us stinks, they think our trailer is worth small fraction of its market value. They don't seem to understand how well molded trailers hold their value.

We are shopping for alternate insurance.

[Glenn Baglo]

I think this thread actually started out to discuss "roadside assistance" not trailer insurance.
Whatever. Replies should be clear what it is they are responding to.

[mary and bob]

Originally Posted by floyd

My trailer is still covered for comp and collision after 13 years and the value is still five figures.

Floyd, we have had no luck trying to get comp and collision on any of our trailers through our local insurance agent. They will do it for my '76 Ford pickup at any value I want, but can't do the trailers. I'm mainly interested in insuring the Casita, but it's a '96 so 21 years old. Good Sam called me about insurance once, but when I told them what I had it was "Have a nice day, goodbye". Good point you made in your other post about your vehicle insurance covering towing, I just recently realized it is included in my policy.
EDIT; don't know what the towing part of my policy covers, such as distance or where to

[EricAllyn]

Wasn't there a very similar thread a couple of months ago? Seems to me the conclusion was that each state is very different, and each company has multiple options. Difficult to compare apples to apples, and some states, all you get is Kiwi

[floyd]

Originally Posted by mary and bob

Floyd, we have had no luck trying to get comp and collision on any of our trailers through our local insurance agent. They will do it for my '76 Ford pickup at any value I want, but can't do the trailers. I'm mainly interested in insuring the Casita, but it's a '96 so 21 years old. Good Sam called me about insurance once, but when I told them what I had it was "Have a nice day, goodbye". Good point you made in your other post about your vehicle insurance covering towing, I just recently realized it is included in my policy.
EDIT; don't know what the towing part of my policy covers, such as distance or where to

My former insurance agent took my money for the Scamp (when it was new) sold me the policy, but never completed the paper work. There was a conflict upon renewal of my policy when he failed to submit a crucial part of the paper work to the company. Did I say former agent? I have since straightened out with my new agent and clarified the coverage.
Still I must be constantly reminded of the words of that great philosopher Kingfish...
"Yes Suh Amos, Ya know the big print giveth and the fine print taketh away!"

I carry comp and collision on the trailer and on my 18 YO pickup, primarily because if the insurance company has no skin in the game they will not defend you in the event of a claim against another at fault party in an accident. They have abandoned all principal and always seek the cheapest way out without regard to fault.