Insurance info

[phorner]

That's good to hear

[aggies09]

I signed up with Explorer last week and my experience was very good. Kraig Kelly was the rep that I talked to and he was very easy to deal with and very responsive.

[JIM CHALOUPKA]

When I was scrambling to get everything together for driving the bus I decided on a roadside assistance policy. I chose the one by Motorsports Advantage. I thought it was better than Coach Net as it also covers a toad or trailer.
Coach net does not cover toad or trailer. The two companies are somehow associated, I think Motorsport is a division of Coach Net, but there is a differentiation in what they cover.

I am mentioning this because some of you may not know that your toad or trailer are not covered under your present insurance, or that there is a company that will cover them. The premium was only slightly higher.

JIM

[LarryB]

Jim, I have Coach Net on my toad. When I called Coach Net to cancel after selling our coach this last Spring, the Rep I spoke with talked me into retaining the coverage on the toad, at a reduced rate.

I guess the deal is; if you don't like the answer, ask someone else.

Larry

[lewpopp]

I used Coach Net a few times on my cars that were on the original agreement with no problems. Cars are not extra as of a year or so ago. I'm covered by Contenental Car thru Explorer now.

Which remeinds me of something I asked on this insurance subject a while ago about reducing the coverage on the coach as it depreciates. The insurance co will only cover you for the replacement, not what you paid for it 6 years ago. I reduced my coverage to be safe enough so they could replace mine with the coverage I have. Saved myself some serious Lewbucks and I'm still well within the ballpark.

[Gary & Peggy Stevens]

Jim, I am afraid you are incorrect about Coach Net not covering your toads.

And man am I glad your wrong for once, I thought sure I had screwed up again? The below information was taken from their website:

Benefits Included With YOUR Membership, Available 24/7!

RV Technical Assistance
RV Service Appointment Assistance
Dispatch Service
Towing
Mobile Mechanic
Jumpstart
Lockout
Tire Change
Tire Locator
Includes all family vehicles owned rented or borrowed
Includes children age 24 or younger licensed to drive

Gary S.

[JIM CHALOUPKA]

Well, I don't mind being wrong.
Sorry to have given bad information.
I needed coverage and could only go by what I was told by the salesman selling the product.
Thanks Gary for checking on your end. In the future I will not be so hasty.

JIM

[Gary & Peggy Stevens]

It is a shame the salesman did not know his own product, and gave you the wrong information but I am know that happens all the time.

I hope the road side assistance product you purchased is just what you need, if and when you ever need it?

HAPPY THANKSGIVING TO EVERYONE AT POG

Gary S.

[Yankee802]

Jim, I am afraid you are incorrect about Coach Net not covering your toads.

And man am I glad your wrong for once, I thought sure I had screwed up again? The below information was taken from their website:

Benefits Included With YOUR Membership, Available 24/7!

RV Technical Assistance
RV Service Appointment Assistance
Dispatch Service
Towing
Mobile Mechanic
Jumpstart
Lockout
Tire Change
Tire Locator
Includes all family vehicles owned rented or borrowed
Includes children age 24 or younger licensed to drive

Gary S.

This confuses me, maybe I'm being to analytcal but it would seem that towing of the RV is covered, and ALL your personal/family vehicals are covered, but does not state that towing OF your vehicals by the RV are covered. I guess it could be assumed that it's implied, but when it comes to insurance/legal matters, I assume nothing, and implications are not facts. I'm not saying this isn't the case here, just asking the question. If it doesn't state it in your policy, it's not covered.

I'll be watching this tread closely, being I will be shopping for a replacement for Progressive and my $1700(+)yr premium on an '84 coach, sounds like I'm paying way too much. I'm also concerned with the financial stability of any prospective insurance company due to the market and how well they handle claims. I pray to God I never have a claim of any kind, but I want to know if I do, I'm in good hands (no pun intended).

Geoff

[Ray Davis]

I believe the list is a listing the services offered by the policy, NOT what is allowed by the policy holder.

They offer "towing" as a service. This is a completely separate from how you are using your vehicles. They don't indicate "driving", as that's not a service, but how you would use your vehicle. I think it's fairly safe that your tow vehicle is expected to be towed (or driven) and should be covered in either case.

Ray