Consequential damages coverage?
I recently read a thread on this forum regarding the need for "consequential coverage". Thinking that I was reasonably sure I had requested and paid for that type contract coverage but wanting to be ...
Forum Discussion
consequential coverage
What this means is, your steering pump malfunctions and because you had diminished steering control, you hit a mailbox or car. This means the contract does NOT fix the car or mailbox because a covered component failed. Your regular insurance or you will cover the consequential damage.
There are 2 type contracts
Exclusionary means the contract lists all items excluded. If NOT specifically listed as excluded, it is covered
Inclusionary list ONLY the items covered. IF the item is NOT listed, it is not a covered item. This type contract is more common. A LOT of RV'ers want us to ask if an item not listed is covered. It takes 10 seconds for the ESC to state NO. NO GRAY AREA at all. I will give a common example of how it is critical to state the covered failure in the same terminology as the contract. Years ago I had a HWH hose fail. The ESC stated it covered Jack lines and fittings. The Service advisor called and stated that the Hyd Hose failed. The ESC denied the claim---we called it a HOSE and they called it a LINE. Ridiculous, but always use the same terms the ESC uses. BTW, this was Good Sam. Doug
What this means is, your steering pump malfunctions and because you had diminished steering control, you hit a mailbox or car. This means the contract does NOT fix the car or mailbox because a covered component failed. Your regular insurance or you will cover the consequential damage.
There are 2 type contracts
Exclusionary means the contract lists all items excluded. If NOT specifically listed as excluded, it is covered
Inclusionary list ONLY the items covered. IF the item is NOT listed, it is not a covered item. This type contract is more common. A LOT of RV'ers want us to ask if an item not listed is covered. It takes 10 seconds for the ESC to state NO. NO GRAY AREA at all. I will give a common example of how it is critical to state the covered failure in the same terminology as the contract. Years ago I had a HWH hose fail. The ESC stated it covered Jack lines and fittings. The Service advisor called and stated that the Hyd Hose failed. The ESC denied the claim---we called it a HOSE and they called it a LINE. Ridiculous, but always use the same terms the ESC uses. BTW, this was Good Sam. Doug
