rdhetrick wrote:
Did the Camping World location force you to use Good Sam Insurance in order to consign the unit with them?
I looked into consigning a unit with another dealer a few months ago, and they required me to have insurance. I checked with my insurance company at the time (Progressive), and they told me they would not insure while on a consignment lot.
Unless Camping World required Good Sam Insurance, I don't really see how this is anyone's problem but yours. You bought an insurance policy and did something outside the limits of the policy. Not any different that getting a personal auto policy for a vehicle that is a business vehicle. The insurance company has every right to cancel once they learn you aren't abiding by your end of the deal.
You missed the key point I was making, and the fact that I only inquired about placing the unit at camping world for consignment, and had not yet brought the unit there. On my inquiry *only* they issued a non-renewal, but after my posts and complaints they later reversed that decision when I began to complain about it and they saw I posted about it publicly. But I was still in a situation that I could then not proceed with Camping World to sell our unit for us. I have since fixed that problem that I mention at the end of this post.
But my larger point was/is that Good Sam promotes itself as a Premier Business partner of Camping World. Camping World in turn provides "Free" initial year Elite Memberships to their customers and activiely promotes the utilization of Good Sam Insurance during the sales paperwork process, i.e they are actively doing sale referrals for Good Sam insurance policies. So any reasonable person would expect that Camping World (and Good Sam management) had done their homework and selected an underwriter -or- negotiated a provision with their underwriter to provide for consignment coverage. Camping world management when I spoke to them were "totally unaware" of the exclusion. They even said that consignment sales represent millions of dollars of revenues each year in Combined consignment sales and the sales to their consigners of New RV inventory.
The ONLY reason this came to light is because I called Good Sam insurance (National General) to "inquire" about changing the status of my coverage from "use" to "storage" while it was stored at Camping World if I brought it there for consignment. Apparently the hundreds or even thousands of other consigners who are insured by Good Sam haven't done that and have their units on Camping World's lot on consignment in essence are there with no coverage becuase they are unuaware of this obscure condition that even Camping World was not aware of, but should have been.
Camping World simply asks for a copy of the current Good Sam Insurance proof (declaration page) to have your unit on their lot. During my further investigation into the situation and even speaking with the provider of my homeowner's insurance, I found that Camping World's own insurance policy covers the unit while it is on their lot, but only for claims against them, not the owner of the consigned unit. So for example, a prospective buyer looking at the unit for sale slips and falls on the steps of the unit and is injured, both Camping World and the Unit's owner may be sued for liability, but only Camping World would be indemnified.
Camping World is now in a situation where they have to decide how they go about notifying hundreds or more owners of units that are consigned on their lot who have Good Sam insurance and tell them they are uninsured and at risk of unindemnified liabilities.
In my case, I cancelled my Good Sam insurance policy and found another company to insure my unit that does provide RV insurance with an allowable rider of "Consignment" coverage. So my unit is now on Camping World's lot on consignment sale with proper insurance coverage. No thanks to Good Sam's efforts...
