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Old 10-09-2018, 03:10 AM   #41
Rivet Master

 
2014 20' Flying Cloud
Sag Harbor , New York
Join Date: Jun 2015
Posts: 17,545
Quote:
Originally Posted by mccrosti View Post
. . .
. . . Every time you call the 800 number with questions after your policy is issued, a claim is opened. It's called an "unpaid claim". You'll be dropped after four or five of these. Always call you agent. Always.
. . .
^^^^^^^x2

Well said.

Peter
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Old 10-10-2018, 11:01 AM   #42
demijac
 
2014 27' FB Classic
Livingston , Texas
Join Date: Oct 2011
Posts: 192
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Can't Say Enough Good Things About Geico

Often tempted to shop rates when it comes time to insurance. But better to shop with regard to who will treat you fairly and with respect when claim time comes. We've filed claims with Geico twice. Cannot say enough good things about how we were treated and their smooth and prompt claims process.

Good luck with whoever you choose to be your new insurer.
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Old 10-10-2018, 05:48 PM   #43
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1972 27' Overlander
Denver , North Carolina
Join Date: Aug 2004
Posts: 760
Images: 4
Former Insurance Agent - Now in total loss valuations

Thank you for the compliments, much appreciated.

To the fellow who wrote that he had "high liability limits" that's fine, but I hope you meant you had a high deductible and decent Comp and collision limits. Liability'covers you when you hit someone with your vehicle and pays for the other vehicle. Collision covers your vehicle when someone hits you while moving. Comprehensive comes into play when you're not moving (I.E. a tree branch hits your trailer). I hope this helps, please feel free to contact me via PM if I can answer any further questions.

These factors apply with both vintage and newer trailers with a caveat.For a vintage trailer your insurer will want an appraisal by an appraiser who follows USPAP. Please contact me if you have questions as to why you need this rather than using someone without USPAP.

Hope this helps/
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Lucky Dave, Denver NC
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Old 10-10-2018, 06:46 PM   #44
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2016 27' Flying Cloud
Georgetown , Texas
Join Date: Oct 2008
Posts: 795
Images: 2
Good News to Report

Our Foremost insurance on the RV will remain in effect.

I'll try to make it a short update. Our agent (Farmers) wasn't aware Foremost was cancelling our RV insurance. When we called him to shop around, he responded "let me make some phone calls." He was able to keep the insurance in place. Said we've been good customers for 24 years (home, umbrella, ranch, autos, 5 RVs over the last 10 years), never any claims on anything ... he was successful with whatever phone call he made. I am thankful to our insurance agent for his efforts and to Foremost for having reconsidered and keeping our insurance in place. I anticipate our rates will increase, but that I understand and wouldn't dispute.

I need to update the thread title ... but it doesn't seem to allow me to edit it now.

So the title should now read "Insurance Claims - Learn from My Experience"

Thank you for everyone's participation on this thread. I've learned so very much about insurance and claims, so hopefully the thread produced some positive discussion and future considerations on insurance for everyone.
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Old 10-10-2018, 06:53 PM   #45
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2016 25' Flying Cloud
Fairfield , California
Join Date: Sep 2016
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Originally Posted by mccrosti View Post
Thank you for the compliments, much appreciated.

To the fellow who wrote that he had "high liability limits" that's fine, but I hope you meant you had a high deductible and decent Comp and collision limits. Liability'covers you when you hit someone with your vehicle and pays for the other vehicle.

Hope this helps/
Most trailer policies, unless bought by the bank to protect their collateral, have liability coverage. This in case a litigious parent's child gets hurt while stealing your enticing nuisance cooler because they think there is beer in it.

Those that are full timing, usually over 150 days a year, should carry high liability to protect their assets as if this is a home especially if they do not have a home covered by a liability policy.

Thanks
Matti
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