Going over the Insurance Mileage Limit...?
We are now approaching the one year mark on our first RV. Our insurance was predicated on driving 3000 miles or less a year. 1. Is there some bad penalty for exceeding that? 2. Is buying a poli...
Forum Discussion
I have ACSC(AAA) and they base rates on miles traveled. Years and years ago the "average annual miles" was 10,000 miles. Now it is around 12,000 miles a year. It is logical that if you drive say, 20,000 miles a year that your chance of being involved in a fender bender(your fault or not) rises, so your rates may rise too.
This is not a "LEGAL" limit that can be used against you in a civil suit for negligence.
ACSC has a much lower annual average usage for RVs than DDs. We do drive long distances during some of our trips but our rates do not change if we exceed the average for one year. If we exceeded the average for a few years, I'm sure they would want to know why.
A few years back we drove over 13,000 miles in our RV and because my daily driver is my towed and the odometer racks up mileage towing or driving, when we renewed our coverage there was a premium increase for the towed. I sent them a letter explaining 13,000 miles was not driving but towing, they reduced the premium to the previous years level.
We have been retired for a long time and our average miles driven was well established when our DD and family moved 50 miles away. The average annual mileage increased for my wife's car and they questioned why. Sent info, no increase.
Most insurances have a guideline for setting the average premium, check workmen's comp insurance rates, construction workers pay way more than painters or carpet layers, they have more injuries so it costs more.
This is not a "LEGAL" limit that can be used against you in a civil suit for negligence.
ACSC has a much lower annual average usage for RVs than DDs. We do drive long distances during some of our trips but our rates do not change if we exceed the average for one year. If we exceeded the average for a few years, I'm sure they would want to know why.
A few years back we drove over 13,000 miles in our RV and because my daily driver is my towed and the odometer racks up mileage towing or driving, when we renewed our coverage there was a premium increase for the towed. I sent them a letter explaining 13,000 miles was not driving but towing, they reduced the premium to the previous years level.
We have been retired for a long time and our average miles driven was well established when our DD and family moved 50 miles away. The average annual mileage increased for my wife's car and they questioned why. Sent info, no increase.
Most insurances have a guideline for setting the average premium, check workmen's comp insurance rates, construction workers pay way more than painters or carpet layers, they have more injuries so it costs more.
