Forum Discussion

nayther's avatar
nayther
Explorer
Jun 20, 2018

Insurance coverage on new fiver

was picking up our new fifth wheel yesterday and finance guy said I had to have specific coverage for the trailer before I could pull it off the lot. Said my "generic" tow vehicle and such coverage was not adequate. I've always understood this to be the same as when you buy a new/used car, that there's a "grace period" where you've covered for 30 days until you get the detailed policy/insurance card from your carrier. He said this was a fairly new thing specific to RV's.

You'd think they would tell you that ahead of time? Hell no, instead he had a policy I could buy on the spot, then cancel and use my regular insurance the next day. This smells like them trying to get a commission on insurance doesn't it? Or is there something I don't know about in CA?

14 Replies

  • Call your agent from the dealership and they can email over proof of insurance within the hour. They might still cover liability under your truck insurance but not likely comprehensive on the RV.

    Where you are wrong is if you drive off the lot without doing anything, you won't have insurance...who do you think is going to pay for a claim if you never told the insurance company that you have the RV?
  • It's pure BS. I bought our new TT last year and the coverage transferred automatically just as it has for decades. He's trying to score a buck.