Tow Truck Policy

wowens79 wrote:

ReneeG wrote:

wowens79 wrote:
Honestly, how often have you used the towing policy? If you have paid $100-150 a year, think how many times you've used it, can how much it would have cost to pay the tow bill yourself? Probably much cheaper to drop it and self insure for tow coverage. Tow bills are pretty minor expenses, $150-200?

Insurance on things like cars, and houses make sense, the expense to repair/raplace those would be a hardship, but a tow bill probably would not adversely affect you.

You're probably right, but who do you call for towing assistance when you're on the road. Having a single point of contact is convenient. Since 2014 we've used the tow truck benefit twice.

Just google "towing near me" and it will find someone.

valhalla360 wrote:

ReneeG wrote:
This morning we had to call to order a tow truck for one of our vehicles. We have the Platinum Roadside Assistance and have been customers for 15 years. We have always serviced our vehicle at a specific dealership and in this case, it had to go back to the dealership due to a possible problem with the way the oil filter was seated the last time the oil was changed. When we started it, oil leaked all over. When we called, we asked to tow it to the dealership, but they wanted to tow it to the nearest repair facility which happens to be WalMart! That's ridiculous! Because we have to go to the dealer, it's an extra $45!!! We asked what happens if WalMart does not have the parts needed to deal with the repair since they are not a Jeep dealership. She said it would then need to be towed to the dealership. We asked, who pays for that tow? She said, we would still have to pay the extra $45 since they are not the nearest facility. Why does there have to be this extra layer of complexity? Our dealership is 11.5 miles away and WalMart is 1.5 miles away.

- Insurance pays for coverage for the time period covered. What you paid last year, covered last year. It has no bearing on this year. - - Replacing...or tightening an oil filter should be within the capability of any service center.
- $45 for an extra 10 miles towing is dirt cheap.
- Why not hook up to the MH and pull it into the dealer? A leaky oil filter shouldn't be bothered by towing with the RV.

ReneeG wrote:

RobWNY wrote:
Because of profit margin. Regardless of how many years you have had a policy, how much money you have spent on it over the years or that you rarely if ever have had to use it, no business will spend more than they have to. Many times it's less than they should. It's not right but every one of these road side assistance programs, insurance companies etc. are in business to make money and as much of it as they can, 100% of the time.

Do you know of a roadside assistance program for RV that would include all household vehicles that would include a towing radius as opposed to the nearest? I'm going to search and change if I find one.

RobWNY wrote:

ReneeG wrote:

RobWNY wrote:
Because of profit margin. Regardless of how many years you have had a policy, how much money you have spent on it over the years or that you rarely if ever have had to use it, no business will spend more than they have to. Many times it's less than they should. It's not right but every one of these road side assistance programs, insurance companies etc. are in business to make money and as much of it as they can, 100% of the time.

Do you know of a roadside assistance program for RV that would include all household vehicles that would include a towing radius as opposed to the nearest? I'm going to search and change if I find one.

No I don't, sorry. My situation is different than yours because we have a Fifth Wheel. I have included towing coverage for my truck and anything in tow with my truck insurance (travelers) and I have included towing coverage for my RV and truck with my RV insurance (Progressive). I have not had to call a towing service yet (knock on wood) but I have two options to get the job done if needed so I don't have a third party roadside assistance plan. If I have to pay anything, it's going to be cheaper in the long run than paying for a third party policy year after year.

ReneeG wrote:

valhalla360 wrote:

ReneeG wrote:
This morning we had to call to order a tow truck for one of our vehicles. We have the Platinum Roadside Assistance and have been customers for 15 years. We have always serviced our vehicle at a specific dealership and in this case, it had to go back to the dealership due to a possible problem with the way the oil filter was seated the last time the oil was changed. When we started it, oil leaked all over. When we called, we asked to tow it to the dealership, but they wanted to tow it to the nearest repair facility which happens to be WalMart! That's ridiculous! Because we have to go to the dealer, it's an extra $45!!! We asked what happens if WalMart does not have the parts needed to deal with the repair since they are not a Jeep dealership. She said it would then need to be towed to the dealership. We asked, who pays for that tow? She said, we would still have to pay the extra $45 since they are not the nearest facility. Why does there have to be this extra layer of complexity? Our dealership is 11.5 miles away and WalMart is 1.5 miles away.

- Insurance pays for coverage for the time period covered. What you paid last year, covered last year. It has no bearing on this year. - - Replacing...or tightening an oil filter should be within the capability of any service center.
- $45 for an extra 10 miles towing is dirt cheap.
- Why not hook up to the MH and pull it into the dealer? A leaky oil filter shouldn't be bothered by towing with the RV.

- Insurance pays for coverage for the time period covered. What you paid last year, covered last year. It has no bearing on this year. I'm aware of that. Our coverage level has not changed.
- Replacing...or tightening an oil filter should be within the capability of any service center. If that is the case. It could be something else.
- $45 for an extra 10 miles towing is dirt cheap. - Why not hook up to the MH and pull it into the dealer? A leaky oil filter shouldn't be bothered by towing with the RV. We don't have a MH, we have a FW, see my original post signature.

ReneeG wrote:

RobWNY wrote:
Because of profit margin. Regardless of how many years you have had a policy, how much money you have spent on it over the years or that you rarely if ever have had to use it, no business will spend more than they have to. Many times it's less than they should. It's not right but every one of these road side assistance programs, insurance companies etc. are in business to make money and as much of it as they can, 100% of the time.

Do you know of a roadside assistance program for RV that would include all household vehicles that would include a towing radius as opposed to the nearest? I'm going to search and change if I find one.