lbrjet wrote:
Next time you talk with an insurance saleman lead with asking about liability and don't assume everyone else has the same definition of a fulltimers policy as you do. This was a simple miscommunication problem, not a Geico problem.
Two things make it a Geico problem. First, they offer fulltimer liability in 49 states, so they obviously think it's something people want/need. I told them I wanted Texas fulltimer insurance, and they didn't say, "Just so you know, our 'fulltimer' insurance in Texas is different from our 'fulltimer' insurance in 49 other states." There is clearly a difference between what they offer in Texas and what they offer in the other 49 states, but they call it the same thing, and they don't tell people affected that there's a difference. That's deceptive.
Second, when I said I didn't want a policy if it didn't include fulltimer liability, the response was, "Would you like to pay in full or in installments?" Definitely no miscommunication there: Geico will sell you what they have, and if you say it's not what you want, they'll ask you how you want to pay for it.
Fulltimer50 wrote:
Ok. So what exactly IS fulltimers coverage? I suspect it is somewhat like: what are full hookups?
I would think the definition is what the vast majority of people think it is. In the case of full hookups, that would be electric, water and sewer. There are a few people who think it should include cable, but they are a tiny minority.
In Geico's case, the coverage they offer in 98% of the states includes fulltimer liability--I think that would be a good starting point for a definition.
Walaby wrote:
So what protects us less than full timers from someone doing something like this? Nothing I reckon, unless I too buy liability insurance, even if not full time?
Your homeowners or renters insurance includes the sort of liability coverage we're talking about. Since fulltime RVers don't have homeowners or renters insurance, they have to get liability coverage some other way.
The obvious way is to equate a fulltimer's RV with a homeowner's house or a renter's apartment--insuring the abode includes liability coverage. In fact, in all the years I've been buying fulltimer insurance, I've never heard of a policy that didn't automatically include liability, just like homeowners and renters insurance.
So you don't have to buy any additional insurance if you have homeowners or renters insurance.
What I can't figure out is
why Geico doesn't offer it in Texas. Every other company I've ever used or gotten a quote from includes it, so it's obviously possible. And Geico includes it in every state but Texas. Why?
