USAA Towing Insurance

big bird 2 wrote:
We have USAA including emergency road service. It has a wide range of services and solid protection, but we also carry AAA just as a back up and for other coverage unrelated to RV'g. We have not had to use it.

As you may know, there is no better insurance anywhere than USAA.

Sorry to rain on your (USAA) parade.

Off topic - but the last sentence above is incorrect!.:(

It's unfortunate that USAA doesn't compete - as they claim they do.
Kinda like Progressive - the smoke screen reels you in.
A company for Vets and their families must be *THE* best, huh!..;)

You are in CA - Wawanesa will -and does- beat USAA, usually by a substantial amount. You must qualify as a good driver.
No agents to get a "cut" of what they write.
No "bundling" req'd - or discount if you have homeowners with them.
(Only write one year -no 6 month- policies in CA & OR)

The back up for CoachNet, GS, etc -
AMA - American Motorcyclist Association will tow whatever you have (not just MCs) - including RVs, etc. - as part of your $45. per year membership. Distance is limited to 35 miles.
Doesn't matter whether you have a MC or not.

Back on topic - to answer the OPs question = NO.
However, many insurance companies have a towing & roadside service "add-on" to their policies.
Usually it's not expensive - BUT (also usually) you must pay, then submit the bill for reimbursement.
Check with your insurer (USAA) to see what it covers, limitations, etc. Read *carefully*!

A poster mentioned a particular towing company.
ALL Motor Clubs contract with tow operators all over the US.
ALL Motor Clubs are members of parent companies who actually underwrite the policies (that includes GS & CN).

You call GS or CN from wherever you are - they call a contract company in the area where you are located.
Good or bad service has nothing to do with your ERS.
(The tow operator may be busy at the time with other "obligations")

In the case of *INSURANCE* companies - *YOU* contact the tow operator.
There's no contract with an ERS - so the operator can charge whatever (his) going rate is. If you paid above the covered amount - you pay the overage.
Again - read the coverage carefully!.:h

BTW - my choice for a Motor Club (ERS) is US Rider..;)
Food for thought:
How many equestrians (with horses) are there all over the USA compared to RVs?
Don't know the answer, but I'll bet they outnumber "us"!.:W
Those folks haul sensitive, *very* expensive "cargo".
US Rider is the only ERS that will tow a trailer containing live animals.
Covers all your vehicles, tow vehicles, MHs, 5ths etc. - whether horses are on board or not.
Ownership of hay burners *not* required.

~

Actually that last sentence is quite correct, based on many years of experience.

Number one in customer satisfaction according to Consumer Reports

We've been Coach Net members for the past 4 years. They have changed two tires for me and towed my truck & trailer once. When the truck broke down they arranged for both to be towed to the nearest campground and repair shop. It was a 45 mile tow and the bill was nearly $600. Coach Net paid the entire bill directly; no cash out of my pocket.

We've had no issues with our USAA. The one time I had to use them, they were prompt and helpful

olbombero has several things incorrect. USAA calls the towing company. And in most any place that rates insurance company's USAA is at the top. Another company, AMICA, is right up there with USAA. Everybody comes next.

USAA for years provided complete roadside assistance as part of the vehicle policy...charge then was about $12/year. They provided the tow or mechanic when you called them...
Several years ago they changed the policy to reimbursing for services. mechanic for 1 hour, locksmith, Towing to nearest place where necessary repairs can be made, delivery gas/oil or to change a tire. Covers all vehicles. You make the arrangements and get reimbursed...May not be that difficult in the smart phone world..

Bear in mind the RV tow services list benefits as "or".... They will provide 1 hour labor of a mechanic to attempt repairs -OR- tow you to the nearest suitable...If you elect the mechanic and he can't fix it -the tow may not be covered.
I carry GS roadside and USAA Roadside Assistance, USAA coverage only adds $6.50/per six months to my policy but is a good backup..

I've had USAA for close to 50 years- no complains on coverage or response. Auto and Home.

edit: imgoin4it- I may be wrong I thought we had to make the arrangements.. I'll check with USAA...

Again, USAA is the best.

imgoin4it wrote:
olbombero has several things incorrect. USAA calls the towing company. And in most any place that rates insurance company's USAA is at the top. Another company, AMICA, is right up there with USAA. Everybody comes next.

Yep and that just proves again how careful one has to be when one reads this "THIS IS THE FACTS" type posts that can be made w/o verifiable backup information to substantiate those "FACTUAL CLAIMS":R

Larry

we have USAA. wouldn't have anything else :) they are the best to us.

never checked their roadside. but I will now!

I've only been a USAA member since 1962 so my experience may be incomplete.

For car towing, they can't be beat. Fill out the claim on line and they deposit the amount in your account. Minutes. No receipts required.

I stick with Coach Net for MH because they send truck type wrecker or tire fixer. Maybe USAA will to...never checked. But, I think, USAA only reimburses a smaller amount, like $50 or so. Coach Net goes a lot higher in my experience.

USAA IS the best.