Moho and toad insured with different companies?
Since I'm a fulltimer, I have limited choices on who to insure the motorhome with. I currently have Blue Sky--have also had National Interstate and Progressive in the past. The toad has always been insured with USAA.
The other day, I hit an alligator in the road and it ripped off the plastic sewer hose storage thing under the RV. I saw plastic bits flying around in my rear-view mirror and knew what had happened. There was no damage to the toad.
But it it got me to wondering. If the plastic or the alligator had done damage to the toad, which insurance company would I report it to? At first thought I figured it would be USAA for the toad, but would they balk because it was being towed, and if my motorhome hadn't hit the alligator there wouldn't have been any damage to the toad? What if my motorhome hadn't caused the damage at all, like if another car's tire blew and that hit the toad and my motorhome had nothing to do with it, except it was towing the toad?
Does anyone have real-life experience with this sort of thing?
I was thinking a "safer" route would be to have the motorhome and toad insured with the same company, but I'm not sure that's really necessary. I'm generally not a fan of USAA (I know, I'm the only one on earth), but I've had their auto insurance for decades and don't want to change unless there's a good reason.
The other day, I hit an alligator in the road and it ripped off the plastic sewer hose storage thing under the RV. I saw plastic bits flying around in my rear-view mirror and knew what had happened. There was no damage to the toad.
But it it got me to wondering. If the plastic or the alligator had done damage to the toad, which insurance company would I report it to? At first thought I figured it would be USAA for the toad, but would they balk because it was being towed, and if my motorhome hadn't hit the alligator there wouldn't have been any damage to the toad? What if my motorhome hadn't caused the damage at all, like if another car's tire blew and that hit the toad and my motorhome had nothing to do with it, except it was towing the toad?
Does anyone have real-life experience with this sort of thing?
I was thinking a "safer" route would be to have the motorhome and toad insured with the same company, but I'm not sure that's really necessary. I'm generally not a fan of USAA (I know, I'm the only one on earth), but I've had their auto insurance for decades and don't want to change unless there's a good reason.
