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Old 05-15-2014, 10:43 AM   #1
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WARNING WARNING on Insurance Coverage

To my surprise this morning I was told by Good Sam's insurance agency that I did not have any coverage while my trailer is in storage and anyone other myself moves the trailer.

Just had my indoor storage company run into a wall while moving my trailer, my 60 day old new trailer now probably needs the roadside rear corner and side panel replaced.

Working with the storage yard to pay for it since they admitted fully that they screwed up. But....

The wording in the policy says:

loss to your covered auto or any non-owned auto beingmaintained or usedby any person while employed or otherwise engaged in the business of:
a. selling; b. repairing: c. servicing; d. storing; e. parking; f. road testing; or g. delivering vehicles designed for use on public highways.

So in essence if you hand over your AS to a lot, service center, really anyone else and they are doing any of these activities you will be at the mercy of whether they have any insurance coverage in case they damage your unit.

The claims adjuster used a good analogy. You drive up to the valet at the restaurant and have them park your car. The valet does the Ferris Buehler wild ride and totals your car. Valet company has no insurance. You are SOL on a claim.

Needless to say this is eye opening to me. Worth checking your policy. This is section D Exclusions of the Good Sam/National General policy.
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Old 05-15-2014, 11:00 AM   #2
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Most folks also don't realize most policies will not cover loss if the trailer is not attached to the tow vehicle.
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Old 05-15-2014, 11:09 AM   #3
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Your regular car insurance covers the trailer if it's attached to your vehicle. If it's parked somewhere not attached, then the trailer insurance kicks in.
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Old 05-15-2014, 11:14 AM   #4
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Also, watch out if you carry bikes, etc., on the back, like on a hitch rack (or on roof of your car). Insurance may refuse coverage if they don't know you have racks.

Just went through this with our insurance company with our bike rack and bike on top of car, and husband pulled into our underground parking garage. oops. They now have notated that we have roof racks, AND that our RV has a rear bike rack.
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Old 05-15-2014, 11:15 AM   #5
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Not sure I see what the big deal is. All those entities are required to have their own insurance under state law in pretty much every state, and they're all responsible for providing first-dollar coverage (no deductible). Making a claim on your own policy would be a last resort because of the deductible and because it would affect future premiums.
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Old 05-15-2014, 12:17 PM   #6
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Wouldn't the storage facility file a claim with their carrier for this?
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Old 05-15-2014, 03:36 PM   #7
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Most places you park your car, or even in outdoor storage very likely have a statement in their contract/agreement with you that absolves them of all liability. They may or may not have insurance, no state law that I am aware of that makes that a requirement. Many businesses go 'naked' when it comes to liability coverage of customers goods since they put language and signs up that says, 'I warned ya, don't come to me that while parked in my parking garage one of the mercury lamps fell off of the roof and went clean through your sunroof".

As is often said your mileage may vary depending on where you are. And one could certainly go to court but at what cost? Just a heads up to something that has totally caught me by surprise.

I will be asking whether the storage yard has an insurance carrier as I discuss the repairs with them.
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Old 05-15-2014, 04:24 PM   #8
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Quote:
Originally Posted by ghaynes755 View Post
Most places you park your car, or even in outdoor storage very likely have a statement in their contract/agreement with you that absolves them of all liability. They may or may not have insurance, no state law that I am aware of that makes that a requirement. Many businesses go 'naked' when it comes to liability coverage of customers goods since they put language and signs up that says, 'I warned ya, don't come to me that while parked in my parking garage one of the mercury lamps fell off of the roof and went clean through your sunroof".
The concern you expressed upthread was parking attendants (etc) who "maintain or use" vehicles. If that's going on then they're liable for their mistakes no matter what the contract says. Around here parking lots are licensed by the city they are in, and the cities require insurance.
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Old 05-16-2014, 02:00 PM   #9
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So an update. In checking with BlueSky, FCIS and Progressive none of their policies have the type of restriction that is in the GoodSam/National General policy mentioned above. Canceled today and switched to BlueSky.

I would rather have coverage than need to fight with another insurance company or a lawyer.
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Old 05-16-2014, 03:28 PM   #10
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Quote:
Originally Posted by ghaynes755 View Post
So an update. In checking with BlueSky, FCIS and Progressive none of their policies have the type of restriction that is in the GoodSam/National General policy mentioned above. Canceled today and switched to BlueSky.

I would rather have coverage than need to fight with another insurance company or a lawyer.
Amen...this was an eye opener to us and you did the smart thing...pays to read your policy...insurance is different with every company...we will be switching...
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Old 05-16-2014, 03:46 PM   #11
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This is a good heads up for people that have never read the small print in their policy. That goes for home and auto also.
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Old 05-16-2014, 04:52 PM   #12
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Quote:
Originally Posted by ghaynes755 View Post
Most places you park your car, or even in outdoor storage very likely have a statement in their contract/agreement with you that absolves them of all liability. They may or may not have insurance, no state law that I am aware of that makes that a requirement. Many businesses go 'naked' when it comes to liability coverage of customers goods since they put language and signs up that says, 'I warned ya, don't come to me that while parked in my parking garage one of the mercury lamps fell off of the roof and went clean through your sunroof".

.
Yes your pretty much right, but that doesn't apply here. In this case the storage company was moving his camper.
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Old 05-16-2014, 05:28 PM   #13
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Also, if you want coverage for hail damage, make sure you read the fine print!

I did with my previous policy and found that I was only covered if the hail perforated the trailer! Seems to me that hail damage is mostly cosmetic - although I'm sure it significantly reduces the value of your trailer - and perforation by hail would be a pretty remote eventuality. Although my insurance broker told me that it happens often ?!?!

In the end I switched insurance companies and paid more to have realistic hail damage coverage!

Brian.
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Old 05-17-2014, 08:50 AM   #14
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My biggest fear with the Good Sam insurance is that I would forget to call them and take the insurance out of storage -- and have no collision coverage as a result. We decided to take the AS out of storage on a Saturday morning without planning ahead, so I called Good Sam before (honest! it was before!) and left a voicemail to indicate I wanted my policy to reflect "out of storage" effective that day. Their recording said they would reflect the change within 48 hours. Everything worked like they said and was easy. I paid for the collision coverage starting the day I indicated, so I assume if an accident happened in the 20 miles from storage to home, I would be covered. Lucky for me that did not happen.

But I need to be more careful on the first tow of the season. Last year first tow - left the awning tie downs open. Disaster ensued within 20 miles. Had the awning replaced. This year, I left a window open - not open, but closed without closing the clasps. No damage that I can see, so maybe the window didn't open and I got lucky? for some reason I use my checklists thoroughly every time, but the first tow, when not camping, my mind flips to "since I haven't been camping I don't really need to use the checklist, right?" Wrong! I need more than an insurance policy to protect myself from myself!
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