Roadside Assistance Plans??

rgatijnet1 wrote:
Some insurance companies offer roadside assistance, like Allstate, Progressive, etc. The problem with using your auto/RV insurer for roadside assistance is that each time you use them it could be considered a "claim" against your insurance. This may mean that your rates will go up next time and that other insurers will see that you made "claims" in the past few years which will affect their quotes for renewal. I think you are better off using Good Sams or Coachnet for your roadside assistance and let your auto/RV insurance company handle any big damage that may be needed.

That's true if your State allows it. This is where a person needs to know the rules.

My RV casualty insurance is through one insurance company. As part of their policy I have basic roadside assistance. That roadside assistance is not an option although I don't have to use it. It's an included "benefit" (sales & marketing) to attract RVers to their insurance. The actual roadside service is provided by another well known roadside service. Essentially, you get a free membership in that roadside service provided as a "benefit" by the insurance company. Because they are providing the service as a "benefit" of their insurance, they are prohibited by state regulations from using any claims for that service in their rate calculations. Now, If they had their own roadside service where they were providing the service directly, it could be a factor.

Lots depend on the state and other factors. It would be well worth an RVer's time to research their policy, plans and state regulations.