insurance question - Page 2 - Fiberglass RV


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Old 07-21-2018, 03:50 PM   #15
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Name: Tom
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I am not an insurance expert. You should consult one.

It sounds an awful lot like they are capping their overall liability at $11,000.

Any combination of, "collision, comprehensive, personal effects, emergency expense and roadside assistance" that reaches $11,000 would appear to cap their payout.

Collision insurance reimburses you for damage to your trailer.
Comprehensive covers damage to trailer from an event that is not a collision. Examples would include hail or a tree branch falling.

If your trailer were to become unhitched an hit an oncoming School bus, what covers your liability? Your auto policy?

If you can answer/live with that, everything is good. I don't mean to be flippant. The liability question is important.

But, I could be mistaken.
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Old 07-21-2018, 04:30 PM   #16
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Originally Posted by LarryT View Post
We just purchased a 2004 17ft. Casita Spirit Deluxe and insured with Progressive through USAA. We paid $307 for a 12-month policy. Includes collision, comprehensive, personal effects, emergency expense and roadside assistance.

Rating base is $11,000 and any coverage will not exceed the rating base. Not sure what that means.

Larry
Don't you have a personal agent who can explain it to you?
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Old 07-21-2018, 05:06 PM   #17
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Liability insurance coverage for any trailer extends from the liability insurance coverage on the tow vehicle. You cannot buy liability insurance coverage for a trailer. As such having the "Minimum" state required liability coverage will put you in a world of hurt.

As noted above:

Collision insurance coverage will pay for physical damage to your trailer caused by YOU the insured or damage to your trailer from others when "fault" is questioned or when your trailer is damaged by an unknown. Meaning if you are involved in an accident and are "At Fault" for the accident the insurance company will pay to repair or replace your trailer.

Comprehensive insurance coverage pays for "Act of God" types of loss including hail damage, tree damage, glass damage, storm damage etc.
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Old 07-28-2018, 02:00 PM   #18
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I've had State Farm the nearly 30 years I've had my Burro! Had only 1 claim...when I had a blow out that put a hole in the side while traveling! They paid $1000.00 & no increase in premiums! I pay $28.00/year!
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Old 07-28-2018, 02:14 PM   #19
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comprehensive usually covers things like theft, vandalism, too. not only theft of the trailer, but theft of the trailer contents.
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Old 07-28-2018, 03:30 PM   #20
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Liability may be attached to the tow vehicle where you live, but not where I live. I recommend that you discuss this with your agent.
You also need to know how much liability the insurance will pay before you have to sell your house to settle the rest of the claim.

I have purchased $5 million liability on my vehicle and $3 million for the trailer.
If you forget to place the chocks and your trailer rolls over a 22-year-old camper with two children and a wife and his injuries mean he can never work to support his family, for the rest of his life, I can assure you, even $3 million may not be enough.
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Old 07-28-2018, 05:04 PM   #21
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Quote:
Originally Posted by Glenn Baglo View Post
Liability may be attached to the tow vehicle where you live, but not where I live.
That's because you live in a foreign country!
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Old 07-28-2018, 06:02 PM   #22
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Quote:
Originally Posted by Glenn Baglo View Post
Liability may be attached to the tow vehicle where you live, but not where I live. I recommend that you discuss this with your agent.
You also need to know how much liability the insurance will pay before you have to sell your house to settle the rest of the claim.

I have purchased $5 million liability on my vehicle and $3 million for the trailer.
If you forget to place the chocks and your trailer rolls over a 22-year-old camper with two children and a wife and his injuries mean he can never work to support his family, for the rest of his life, I can assure you, even $3 million may not be enough.
There are two kinds of liability involving a trailer. One is liability while towing, and that's what's included with tow vehicle liability insurance in every place I am familiar with. I honestly don't see how it could work any other way. Consider: in a highway accident while towing, if the trailer liability were a separate policy, which vehicle would be deemed responsible? Which policy would pay? Which limit would apply?

The other is liability while unhitched, which includes the roll-away situation you describe. Tow vehicle insurance does not cover that kind of liability in my experience. It would be covered by a separate RV policy or by some kind of umbrella liability insurance.

If it works differently in Canada or in BC particularly, I would appreciate additional clarification.
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Old 07-28-2018, 07:06 PM   #23
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Quote:
Originally Posted by Jon in AZ View Post
The other is liability while unhitched, which includes the roll-away situation you describe. Tow vehicle insurance does not cover that kind of liability in my experience. It would be covered by a separate RV policy or by some kind of umbrella liability insurance.
The unhitched trailer liability situation is covered by your homeowner's liability coverage IF you have homeowner's insurance coverage for the home you own. Otherwise coverage would be provided through personal liability policy if you have one at all. Most people do not. Your RV/Trailer insurance coverage "May" also cover this situation IF you have this type of insurance coverage. READ YOUR POLICY to find out!

Renter's insurance provides a basic amount of liability coverage that would extend to the unhitched trailer if you have a "Renter's" insurance policy. Renter's insurance coverage is required by most landlords of their tenants in today's world therefore there is a good chance you could have liability coverage through this policy if you rent where you live.

As is ALWAYS the situation.

READ YOUR POLICY!

If you don't understand the language contact your agent, read the policy together and have the agent explain the coverage to you. Pretty good chance this will be the first time in a LONG TIME that your agent has read the fine print in one of their companies polices!
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Old 07-30-2018, 11:29 AM   #24
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We insured our scamp 13 through geico. We pay $78/year for collision and comprehensive with a $500 deductible. Geico also includes emergency housing/towing insurance and vacation reimbursement insurance in the price.
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Old 07-31-2018, 08:14 PM   #25
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Shopping for Insurance

I didn't want to double-post, but I just shared results on another insurance thread from my shopping around for insurance, which I hope may prove helpful to someone else - I completely agree with the suggestions to READ through your policy fine print. You can even ask the agent to provide sections of the policy BEFORE you make your decision.

You can read my post here: INSURANCE?

I hope others will chime in to share their experiences and suggestions. When insurers realize the size of the vintage fiberglass market, they may start providing even better insurance options for us. We can start by sharing what we know with each other.

Happy Trails!
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Old 07-31-2018, 08:53 PM   #26
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Name: Daniel A.
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In BC taken from a lawyers blog.


Is Your Trailer Insured?


The standard automobile insurance in British Columbia will cover any potential physical damage to a motor vehicle, should an accident occur while towing a trailer. However, there will be no collision or comprehensive coverage of the trailer that you are pulling behind the car. As a result, you should have an additional policy or endorsement for the trailer and items that you are towing. This can protect you financially from any claims relating to damage to the trailer, or damage caused by the trailer, resulting from an accident in which you are considered at fault.


Fortunately, car insurance policies in British Columbia do include third party liability coverage which covers the cost of any damage you may cause. If another driver were to damage your trailer as a result of an accident in which they were at fault, that driverís third party liability insurance would likely cover the damage.


However, it is important to consider that the standard third party liability coverage will not cover an accident involving a towed trailer, where the trailer is required to be licensed and you havenít arranged for this licensing. This exclusion will mean that no damage coverage will be available in relation to accidents caused by, or involved with, a trailer being towed behind your vehicle.
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Old 07-31-2018, 09:23 PM   #27
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