Separate TT policy vs liabitlity on auto ins policy?

I'm AAA for home and auto, and Progressive (written by my AAA agent) for my TT.

The Progressive policy is better and cheaper than what Good Sam tried to sell me. Now I just have to convince GS to stop trying to come back for another try.

I guess what I was asking is what division of my insurance policies, homeowners, auto, RV- covers damage to the RV because of a tire failure. I know the tire isn't covered but the spinning belts of a disintegrating tire can do a lot of damage.

If the tire example is causing confusion, what if we use an object thrown from the roadway. Said object cuts through the exterior and destroys the load center. Which type of policy is covering the damage??

Very informative answers. I will get back with the agent and bring up a lot of this. Thank you all!

Shari

westend wrote:

...If the tire example is causing confusion, what if we use an object thrown from the roadway. Said object cuts through the exterior and destroys the load center. Which type of policy is covering the damage??

I'm pretty sure that or the tire damage would be the RV's comprehensive coverage. If the RV doesn't have full coverage, you would be on your own.

beemerphile1 wrote:

westend wrote:

...If the tire example is causing confusion, what if we use an object thrown from the roadway. Said object cuts through the exterior and destroys the load center. Which type of policy is covering the damage??

I'm pretty sure that or the tire damage would be the RV's comprehensive coverage. If the RV doesn't have full coverage, you would be on your own.

Thank you, exactly what I was thinking, too.

I'm a little confused on the coverage if attached to the tow vehicle. I bought a boat and trailer from out of state and towed it home to California thinking I was covered while towing with my AAA car insurance. When I got home I called to give vin numbers etc to AAA I was told I was not covered by my car insurance for boat or trailer. Quite the surprise to me... I understand the boat might not have been covered but I thought sure the trailer was,...my bad !
I'm glad nothing happened on the drive home.. Lesson for me then..

westend wrote:
Which part of which policy would cover damage to the RV, say, in case of a tire blowout?

Each person has their own policy, but I would think if you had a blow out, it would be like a blow out on your automobile. If no damage to anything, you simply have to purchase a new tire (it's on you), as it would be considered normal wear and tear.

However, if the tire caused damage to the trailer, I would think the trailer insurance would cover the damage to the trailer. If the tire blow out caused a wreck, and damaged someone else's property, that would fall under the automobile. If everything is insured through the same company, let the company figure it out. However, if different "parts" are insured through different companies, you bet, each company will deny responsibility and attempt to shift responsibility to the other so they won't have to pay. And you may end up getting nothing paid (for this blow-out causing damage to someone else scenario). (Just my 2 cents. But it ALL does depend upon how your insurance is written up.) If juggling different insurance carriers, you've really got to read the fine print to know what's really covered under each company.

Collision not comprehensive would cover damage to the trailer from a blow out.

You might want to contact Gilbert (www.gilbertrvinsurance.com). As brokers specializing in RV coverage, they can show how coverage from a number of companies compares and help select the best policy and/or underwriter.

Each state has different regs regarding insurance. Check with a licensed agent for your state.