What ERS assistance seems to work best, and insurance

1. ALL "Motor Clubs" are part of national affiliations, who are the real providers of the plans.

2. ALL "Motor Clubs" contract with tow operators throughout the country.
The contract Tow Operator may have contracts with several Motor Clubs.
So, you might have CN, GS, or Allstate, etc. - and get the same tow operator.

The Tow Operators may have more lucrative contracts which receive priority. (Ex: with police, highway patrol, etc.).

The Good or Bad experiences you read about may have *nothing* to do with the ERS you subscribe to - and everything to do with the individual tow operator

US Rider for "primary" ERS plan - no "hay burner" ownership or transport necessary. Will tow your tow vehicle *and* whatever you are towing or driving at the time (MH, cars, truck).

American Motorcyclist for secondary -"backup"- plan ($50 year) - same as above, no MC ownership necessary. Towing limited to 35 miles.

Sure they also contract with (possibly) the same tow operators.
Not that it matters (unless you have horses), but US rider is the ONLY ERS that will tow trailers with live animals.
Try that one with GS or CN!..:W

Call them - ask questions!..:@

Roll on!

:C

One thing to note, rental car rider does not cover a tow vehicle on any plan my independent agent could find. He said I could rent a truck through Enterprise Truck and try to submit for reimbursement but he was uncertain how that would go so I keep an extra $1k in the emergency fund in case I have a catastrophic mechanical issue while on the road and need to get a truck with which to continue the trip. Not sure what you would do with a 5er since I doubt the Enterprise truck rental fleet is fifth wheel prepped.

I wonder if the Emergency Expenses coverage mentioned at RV-Dream linked above would cover that rental. It does say it covers return of the RV if more than 50 miles from home, wonder how that would work with truck and trailer?

We have had AAA Plus for many years. When we owned or HTT and MH, we had the RV rider. We had it in NJ and in GA. We have used it in several AAA regions on the East Coast, NJ, PA, VA and GA. Fortunately, all those regions covered the RV. Twice it was to tow the HTT and TV, both times just under 100 mile tow. The first time we paid nothing, the second time, the driver asked me to pay tolls.

When we had a blow out on an inner dual tire of our motorhome, AAA sent a mobile tire repair service to put on our spare.

Coach-net offers a lot of good services, except they won't tow you where you want to go, they will only tow you to the nearest repair facility. In both instances when we needed to tow both HTT and TV, that would not have worked for us.

I have heard nothing good about Good Sam's Road Side assistance, so I wouldn't even look at them. Check with your Insurance and see if they will cover a MH or TT and what they cover. Then compare that to Coach-net and AAA and see which will work best for you. You should also check the different AAA Regions that you plan to travel through or to most and make sure they offer comparable services.

-Michael

No not full timer

luberhill wrote:
I have towing etc on my current Travelers insurance on my cars. If I settle on a MH or TT which insurance would be best?

You didn't say if you were going to be full timer or not.

Full Timer RV insurance is a rather specialized niche market, not all of the regular insurance companies are willing to insure full timers.

Miller RV insurance is one agency that seems to have a very good reputation among RV'ers. There are others, too.

http://www.millerrvinsurance.com/

I suggest you take a careful look at THIS site before you get insurance for an RV.

http://www.rv-dreams.com/rv-insurance-coverages.html

I've read do many posts regarding the poor service of some providers. The one that stands out above all is Coachnet. They just don't get anywhere near the number of complaints GS does.

In some places AAA does in fact offer RV roadside assistance. Trouble is, AAA is actually a group of different state associations, some of which do not offer or honor RV assistance. There have been documented instances reported in the different RV forums of someone from, say, TX getting a Roadside Assistance plan from AAA TX only to discover when they have a problem in MA that AAA MA will not help them at all.

As for towing plans from regular insurance companies, read the fine print VERY carefully. If you are pulling a fifth wheel, and your tow vehicle dies, will they send TWO tow trucks out, one to pull in your tow vehicle and one to pull in your fifth wheel, or will they pull in the tow vehicle and leave the trailer sitting by the side of the road? I've seen reports in the forums of THAT happening, also.

You are almost sure to be better off with a Roadside Assistance plan from a company that SPECIALIZES in doing that for RVs. Good Sam and Coachnet are two of the best known, but Escapees and FMCA also offer plans tailored for their member's needs.

Read and compare the different plans fine print carefully. Will they assist you in Canada if you plan to travel there? Or go up the AlCan to Alaska? How about Mexico if you plan to spend a winter in Baja?

Any mileage limits on how far they will tow? What if you are so far from civilization that there is no cell service, and the local Highway Patrol has to summon a tow truck via police radio? Will they still pay, even though you didn't call them and let them arrange the tow with one of their approved towing contractors? What kind of documentation will you need for reimbursement under those circumstances?

luberhill wrote:
I have towing etc on my current Travelers insurance on my cars. If I settle on a MH or TT which insurance would be best ? Would Travelers my current company for my house and cars be best ? Some other ?
Also I have AAA plus now but again doubt they cover a MH...im thinking IF I get one that doesn't have a spare or I have a breakdown which ERS service seems to be the best ?, Ive heard about thre different names...
Thx for the help

I have Progressive for the trailer and they contract with Coach Net for roadside assistance if you add that to the policy.

As far as I know everybody uses either Good Sam or Coach Net for roadside assistance for RVs. There might be others but I've not heard of them.