The need for additional Towing insurance?

Good Sam will say you do, lol. My Farmer's agent says I need no further coverage since the trailer is covered under my truck's policy when on the road. As for Road Side Assitance my agent tells me to pay the bill and Farmer's will reimburse me. Check with your agent.

Sacerdote wrote:
I'm told by my insurance agency that I have Towing coverage on my RV to the nearest repair facility along with loss of use. Do I really need another policy like Good Sam's Club or other? I don't think I have Tire change coverage and I would like to have that but not sure about spending another $100 a year on coverage that I may already have

Maybe the answer is as simple as asking your insurer if you have tire change coverage? And while you've got them on the line, ask what else your towing coverage includes?
Or am I missing something?

I would guess that most standard insurers are going to have a relatively low dollar allowable for towing.

I know when I lost a wheel on my 5er, I maxed out whatever my insurer would pay (I think it was SAFECO) as well as AAA. And still had to come out of pocket. It was around a 50 mile tow to the nearest service center.

Bionic Man wrote:
I would guess that most standard insurers are going to have a relatively low dollar allowable for towing.

I know when I lost a wheel on my 5er, I maxed out whatever my insurer would pay (I think it was SAFECO) as well as AAA. And still had to come out of pocket. It was around a 50 mile tow to the nearest service center.

Which brings another issue to mind. If you have ERS coverage within your vehicle/motorhome/towable insurance policy, does an emergency call for assistance count as a claim on your policy, with a resulting rate increase at renewal? Apparently, some insurers do.

Sacerdote wrote:
I'm told by my insurance agency that I have Towing coverage on my RV to the nearest repair facility along with loss of use. Do I really need another policy like Good Sam's Club or other? I don't think I have Tire change coverage and I would like to have that but not sure about spending another $100 a year on coverage that I may already have

I believe you will need to find your own towing company for this. Check if they will reimburse towing your RV for fixing a flat or to call mobile tire service to change on the spot. Also check the policy maximum miles or cost that will be reimbursed.

Keep in mind that $100 initial rate may renew at a higher price even with not using the service.

get a copy of your policy or sit down with your agent and have him figure it out. I,did and learned I already have a road side plan.

I have State Farm for all my vehicles. I’ve used it 3 times. First time was a passenger car. I had it towed to my dealer rather than the closest service. Policy paid abut half of tow. My agent cut a check out of his agency account to reimburse me for the rest. Second time was 33 ft Class A. Had a hell of a time finding someone who could tow it. Had to come from long distance. Actual tow was just a few miles. Bill was $750. They paid it all. Third time was 36 ft class A, blowout in middle of night. They found me road service that brought tire and changed it on the roadside. Back on the road about 3am. Total out of pocket for tire and service $100 plus tip for the old boy that worked his butt off changing that tire.

MDKMDK wrote:

Bionic Man wrote:
I would guess that most standard insurers are going to have a relatively low dollar allowable for towing.

I know when I lost a wheel on my 5er, I maxed out whatever my insurer would pay (I think it was SAFECO) as well as AAA. And still had to come out of pocket. It was around a 50 mile tow to the nearest service center.

Which brings another issue to mind. If you have ERS coverage within your vehicle/motorhome/towable insurance policy, does an emergency call for assistance count as a claim on your policy, with a resulting rate increase at renewal? Apparently, some insurers do.

It did not count as a claim for me.

I only carry the State Farm ERS ryder on my cars. They do not stray far from home and I know where I want my vehicles towed and who to call if I have an issue.

On my RV I have the State Farm ryder and Coachnet. If I brake down in the middle of nowhere I want help and a nice easy 800 number to call.

Does service count against your insurance, depends on company, type of polcy and state laws.

That being said, I broke down close to the middle of no where, Hells canyon WY. No cell phone service, little traffic! A samaratin sent the Sheriff and he told me he had no idea where to get a tow truck. Another samaratin got me going and I made it to Newcastle WY to get the issue fixed.

Bionic Man wrote:
I would guess that most standard insurers are going to have a relatively low dollar allowable for towing.

I know when I lost a wheel on my 5er, I maxed out whatever my insurer would pay (I think it was SAFECO) as well as AAA. And still had to come out of pocket. It was around a 50 mile tow to the nearest service center.

May I ask why you lost a wheel ?