Towed vehicle coverage

dalerussel wrote:
I just talked to the claims person for Good Sam Insurance (National General). He confirmed my expectations as to the following scenarios:
1. If my toad breaks free and is damaged, the auto insurance on the toad is responsible for fixing the car.
2. If the toad brakes free and causes other damages, since the damage would be my fault as the RV driver, that damage would be covered by the RV policy.
3. If the toad is damaged in an RV accident, its damage should be covered by the auto policy, not the RV policy.
a. My auto insurance should cover it if it was my fault
b. If it was the other person's fault, my auto insurance should cover it and collect from the person at fault just like any other accident.
4. If I side swipe another car or thing, my damage is covered by the car insurance. Other damages caused by this is covered by the RV insurance since it would be the RV driver's fault.

In general, liability is covered by the RV insurance while collision is the responsibility of the auto insurance. While damage to my car would hurt, my major concern has been about liability which could be devastating.

Any comments on this are welcome.

Dale Trbovich
2009 Winnebago Chalet, 35' gas Class A
2014 Honda CRV 2 wheel drive
Blue Ox tow equipment with SMI braking system

I would also call your auto insurance company to confirm that they agree with what you were told by GS.

I just talked to the claims person for Good Sam Insurance (National General). He confirmed my expectations as to the following scenarios:
1. If my toad breaks free and is damaged, the auto insurance on the toad is responsible for fixing the car.
2. If the toad brakes free and causes other damages, since the damage would be my fault as the RV driver, that damage would be covered by the RV policy.
3. If the toad is damaged in an RV accident, its damage should be covered by the auto policy, not the RV policy.
a. My auto insurance should cover it if it was my fault
b. If it was the other person's fault, my auto insurance should cover it and collect from the person at fault just like any other accident.
4. If I side swipe another car or thing, my damage is covered by the car insurance. Other damages caused by this is covered by the RV insurance since it would be the RV driver's fault.

In general, liability is covered by the RV insurance while collision is the responsibility of the auto insurance. While damage to my car would hurt, my major concern has been about liability which could be devastating.

Any comments on this are welcome.

Dale Trbovich
2009 Winnebago Chalet, 35' gas Class A
2014 Honda CRV 2 wheel drive
Blue Ox tow equipment with SMI braking system

Dalerussel,
Please let us know what kind of answers you got from GS.
It would also be quite interesting to hear what your other insurance provider would comment on the others' comments.
Thank you.

dalerussel,

Thank you for your time and post. Please call 800-325-1190 an agent would be happy to help with your questions and concerns. Thank you again for your time and post.

Thank you,

Mark
Marcus' Rapid Response Team
goodsamcs@goodsamfamily.com

This section is about Good Sam insurance, which is what I have. The title says to ask Marcus if you have questions. I am asking. I have gotten lots of verbal info but do not see much in writing. I want to hear what Good Sam Insurance believes is their responsibility.

Grandpere wrote:
Those are questions best asked of your insurance agents. All anyone can here do is guess, your agents know what your policies cover and when it it in effect and when it is not in effect.

Exactly! You're asking the question to the wrong people...only your insurance can provide correct answers.

Ron

Those are questions best asked of your insurance agents. All anyone can here do is guess, your agents know what your policies cover and when it it in effect and when it is not in effect.