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Insurance Coverage

Yahoo Message Number: 77050
This is a confusing subject to me and I would like to see how others handle this situation.
I was just told by an insurance Company (Progressive) that "even though I have a policy with them on a towed vehicle"( the motor home is no problem), they may deny a claim, should I have a claim on the "toad".
The reason given is; the "toad" needs to be "registered in the state that it is kept in the majority of 6 months", and may need multiple registrations per year in different states.
I have several vehicles, all registered in one state, that I may tow to a different state from time to time depending on our activities. A vehicle my be left temporary at one of several states for a period of a month or two, or a year or longer but ultimately towed else ware.
At the present time I have no home base, as we just sold it, but I still own another property in the same area that is use for storage at the moment.

Any input, suggestions, or thoughts would be appreciated.

Dan Nigro

2008 Intrigue 12233

Re: Insurance Coverage

Reply #1 –
Yahoo Message Number: 77051
Dan,

I have had very very few accidents (knock on wood), but I have never been asked by my insurance company, where is this car stored at, or driven from. If that question is asked, my response would be where I have it registered at. I would tell tell them you are on your way back to the location where it is registered at, on vacation and going here or there.
IMHO, you are paying for coverage in case something happens, what took places days or months ago have nothing what to do with what happened that would cause them to become involved.

Dave

07 Country Coach Allure 430 #31495 12 Jeep GC Toad Mountains of So Cal
Dave & Jodi
2007 CC Allure 40’ Tag #31495
2012 Jeep GC
Big Bear Lake, Ca & Henderson, Nev

Re: Insurance Coverage

Reply #2 –
Yahoo Message Number: 77056
We changed to National Interstate Insurance. They never asked that question. They cater to full timers. Never had a claim but so far happy with the rates. They cover both the RV and the toad.
Lonny & Diane
Tampa, FL

'04 Allure 33'
#31065

Re: Insurance Coverage

Reply #3 –
Yahoo Message Number: 77058
I would check with one of the companies that specializes in RV coverage.
I use Miller Insurance 503-636-6347.
They can answer your questions and shop many companies for the best rate for your situation.
They saved me ~$200 a year while staying with National interstate. Just change broker.

Bob Wexler
SOB

Re: Insurance Coverage

Reply #4 –
Yahoo Message Number: 77070
We've had National Interstate since 2005. Rates have stay steady and they now have Coach Net as part of their policy. We have been full timing for over four years without much change in price. We have our tow car with them also. I use Hi-Sage insurance in San Diego as our agent.

Jock Vargo
2005 Inspire
51428

Re: Insurance Coverage

Reply #5 –
Yahoo Message Number: 77077
This group is GREAT!

It seems that most of you recommended "National Interstate Insurance", so I called them, signed up with them and cancelled my Progressive Insurance.

It's what you don't ask that will bite you in todays world of declining integrity. In my day "the omission of fact was the same as a lie", but today that seems to be the norm.

FYI.

I received a call from progressive after I canceled. They wanted to know WHY, I told them and they verified the following: "If a motorhome is not at one location at least 50% of the time they will/ can deny the claim for the "toad" and/or the motorhome." For me it's not worth a "roll of the dice."

Dan Nigro 08 45' Intrigue 12233

Re: Insurance Coverage

Reply #6 –
Yahoo Message Number: 77079
FYI

The CEO of "Progressive"? is a major donor to causes of a progressive nature.
This is either bad or good depending on how you look at it.

Russ

05 Intrigue
11883

Re: Insurance Coverage

Reply #7 –
Yahoo Message Number: 77092
Our discussion with Progressive regarding rates and non- use period stated that their rates assume that you are not full time and that there are period of non exposure. Not a fan of any insurance company but we do have Progressive and each time we renew we have tried to find a better deal with out success. The deciding factor for us has been the declining deductible which has been successful in locking us in to the plan.

Dan 2006 Allure 31348

Re: Insurance Coverage

Reply #8 –
Yahoo Message Number: 77100
Russ, am curious as to what that would have to do with anything regarding an insurance claim?

BTW, what exactly is a progressive? As opposed to what?

Bill

Re: Insurance Coverage

Reply #9 –
Yahoo Message Number: 77101
Below is a clipping that may provide a summary interpretation, also a link for context to your question.

Main Entry:

progressive ?[pruh-gres-iv] Show IPA/pr??gr?s?v/
Show Spelled
Part of Speech:
adjective
Definition:

liberal; growing
Synonyms:

accelerating, advanced, advancing, avant-garde*, bleeding-heart, broad, broad-minded, continuing, continuous, developing, dynamic, enlightened, enterprising, escalating, forward-looking, go-ahead, gradual, graduated, increasing, intensifying, left of center, left*, lenient, modern, ongoing, onward, open-minded, radical, reformist, revolutionary, tolerant, up-and-coming, up-to-date, wide Antonyms:

conservative, moderate
Main Entry:

progressive ?[pruh-gres-iv] Show IPA/pr??gr?s?v/
Show Spelled
Part of Speech:
adjective
Definition:

liberal; growing
Synonyms:

accelerating, advanced, advancing, avant-garde*, bleeding-heart, broad, broad-minded, continuing, continuous, developing, dynamic, enlightened, enterprising, escalating, forward-looking, go-ahead, gradual, graduated, increasing, intensifying, left of center, left*, lenient, modern, ongoing, onward, open-minded, radical, reformist, revolutionary, tolerant, up-and-coming, up-to-date, wide Antonyms:

conservative, moderate

progressive ?[pruh-gres-iv] Show IPA/pr??gr?s?v/
Show Spelled
Part of Speech:
adjective
Definition:

liberal; growing
Synonyms:

accelerating, advanced, advancing, avant-garde*, bleeding-heart, broad, broad-minded, continuing, continuous, developing, dynamic, enlightened, enterprising, escalating, forward-looking, go-ahead, gradual, graduated, increasing, intensifying, left of center, left*, lenient, modern, ongoing, onward, open-minded, radical, reformist, revolutionary, tolerant, up-and-coming, up-to-date, wide Antonyms:

conservative, moderate

progressive ?[pruh-gres-iv] Show IPA/pr??gr?s?v/
Show Spelled
Part of Speech:
adjective
Definition:

liberal; growing
Synonyms:

accelerating, advanced, advancing, avant-garde*, bleeding-heart, broad, broad-minded, continuing, continuous, developing, dynamic, enlightened, enterprising, escalating, forward-looking, go-ahead, gradual, graduated, increasing, intensifying, left of center, left*, lenient, modern, ongoing, onward, open-minded, radical, reformist, revolutionary, tolerant, up-and-coming, up-to-date, wide Antonyms:

conservative, moderate

progressive?[pruh-gres-iv] Part
of

Speech:
adjective
Definition:
liberal;
growing
Synonyms:
accelerating,

advanced, advancing, avant-garde*, bleeding-heart, broad, broad-minded, continuing, continuous, developing, dynamic, enlightened, enterprising, escalating, forward-looking, go-ahead, gradual, graduated, increasing, intensifying, left
of

center, left*, lenient, modern, ongoing, onward, open-minded, radical, reformist, revolutionary, tolerant, up-and-coming, up-to-date, wide Antonyms:

conservative, moderate

Another explanation, more directly tied to Peter Lewis of Progresssive:
http://expreacherman.com/2006/01/18/is-progressive-insurance-really-progressive/

Gerry Brown

2007 Allure 31447



Russ, am curious as to what that would have to do with anything regarding an insurance claim? BTW, what exactly is a progressive? As opposed to what? Bill

"russg@..." wrote:>> > FYI> The

CEO of "

Re: Insurance Coverage

Reply #11 –
Yahoo Message Number: 77117
Thanks, Good links. Facts are appreciated over hyperbole.
Bill, Intrique, #11881