Free 7 Day Trial RV GPS App RV Trip Planner Campground Reviews RV Maintenance Free 7 Day Trial ×
 


Reply
 
Thread Tools Display Modes
 
Old 01-19-2013, 12:09 PM   #21
Senior Member
 
Join Date: Feb 2010
Location: PNW
Posts: 396
Re: VAN INSURANCE

Ha, insurance again!

I switched to AAA. They use American Commerce. I saved $2500 plus a year doing this on my all inclusive coverage. I have a rider to cover the value of my upgraded van.

Insurance companies are basically law firms, in the business to take your money, not pay out when needed.

The thing I see is many people use their full coverage to fix every idiotic self incurred damage you do to your vehicle.
Plus all the fraud.

Thats why they are lawyers working you over - because everyone abuses their insurance.

If you did a foolish move and dinged your van off-road, FIX IT YOURSELF!!!

And learn from your lesson. You probably won't do it twice.

/Peave
__________________

__________________
Two wheels or four, its all good. :-)
'10 E-350 EB V-10 QuadVan 4x4, SMB penthouse top, Van Specialties interior
maxacceleration is offline   Reply With Quote
Old 01-19-2013, 02:10 PM   #22
Site Team
 
daveb's Avatar
 
Join Date: May 2007
Location: Turlock Ca
Posts: 10,156
Garage
Re: VAN INSURANCE

I have yet to find a company that covers off road travel (at a reasonable price). I found that even most tow insurance Companies such as AAA consider off pavement or non-maintained roads as a no tow zone yet usually campgrounds are exempt as well as government maintainded roads paved or not. It seemed I got the same answer with collision insurance companies. I plainly asked GMAC how they would know if an incident happened on or off road and other than somebody hitting me they wouldn't know if damage occured in the backcountry or on a paved road. So I doubt GMAC would cover something like the White Rim Trail. If anybody does find a company that covers this type travel I'd like to know about it. Hopefully the agents I had talked to weren't leading me down the wrong road
__________________

__________________
2006 Ford 6.0PSD EB-50/E-PH SMB 4X4 Rock Crawler Trailer

Sportsmobile 4X4 Adventures..........On and off road adventures
daveb is offline   Reply With Quote
Old 01-19-2013, 03:59 PM   #23
Member
 
Join Date: Jan 2011
Posts: 58
Re: VAN INSURANCE

I too am with State Farm. I started the process about 3 months before I picked up my SMB and it took till about 4 months after I took deliver to finally get everything squared away. During that time the price went from $700 to $800 to $1200, and back to $800 before finally they decided it could be insured as an RV for a bit under $500. The policy also got issued/rewritten at least 3 times. I have a camper, not a full build-out and was eventually told that: "Our underwriting department stated that as long as there are sleeping/cooking facilities we can insure it as an RV. Even if you only have a portable cooking device, it does not need to be an installed stove." They wanted pictures to prove all this, which I provided. It was a painful process.
9pb9 is offline   Reply With Quote
Old 01-19-2013, 07:46 PM   #24
Senior Member
 
jage's Avatar
 
Join Date: Apr 2007
Location: Franktown, CO
Posts: 7,604
Re: VAN INSURANCE

Quote:
Originally Posted by daveb
If anybody does find a company that covers this type travel I'd like to know about it. Hopefully the agents I had talked to weren't leading me down the wrong road
Like I said, Farmers and Progressive: as long as you're not in an organized racing event on the white rim trail. Heck my understanding is if you drove off Lion's Back you'd be covered as long as it wasn't during an organized racing event.

And the concern about offroad coverage is not about getting a scratch covered, it's about a total loss- which you can't really claim happened in Kroger's parking lot if your van is in the bottom of a ravine. Deductibles and getting dropped from your insurance will eat you quick if you get every little thing covered.
__________________
and then
everything changed
jage is offline   Reply With Quote
Old 01-19-2013, 09:15 PM   #25
Site Team
 
daveb's Avatar
 
Join Date: May 2007
Location: Turlock Ca
Posts: 10,156
Garage
Re: VAN INSURANCE

Quote:
Originally Posted by jage
Like I said, Farmers and Progressive: as long as you're not in an organized racing event on the white rim trail. Heck my understanding is if you drove off Lion's Back you'd be covered as long as it wasn't during an organized racing event.
Don't know about Farmers but Progresisive told me anything off road (non maintained) was not covered. Now this was in 2005 and I never followed up on it. GMAC at the time said the same thing but covered campgrounds and the like. I'm so sick of the BS I'm getting (even now) I don't want to mess with it.
I've said it before:
Until somebody files a total out claim and gets reinbursed I'll wait to switch. Both GMAC and SF have been good to me so I'll roll the dice. Coverage seems to change from state to state, company to company, and agent to agent. How in the hell can the underwriters make different conclusions on similar vehicles is beyond me. I think the whole thing is a scam
__________________
2006 Ford 6.0PSD EB-50/E-PH SMB 4X4 Rock Crawler Trailer

Sportsmobile 4X4 Adventures..........On and off road adventures
daveb is offline   Reply With Quote
Old 01-19-2013, 10:23 PM   #26
Senior Member
 
carringb's Avatar
 
Join Date: Jan 2009
Location: Corvallis, OR
Posts: 5,039
Re: VAN INSURANCE

Quote:
Originally Posted by jage
Quote:
Originally Posted by daveb
If anybody does find a company that covers this type travel I'd like to know about it. Hopefully the agents I had talked to weren't leading me down the wrong road
Like I said, Farmers and Progressive:
I have personally seen Progressive deny a claim because the car was on a road not maintained for winter travel. Not even off-road. Just not regularly plowed. The road is access to a Forest Service recreation point (Mary's Peak in Oregon). Cars brakes went out coming down the mountain, went off a cliff into a Ravine. Car was totaled but because Progressive doesn't cover "off-road" travel the owners had to pay for the recovery, which was around $3500 IIRC. Recovery was expensive because there was about 4' snow off the roadway, and about 18" on and during winter storm conditions.

My State Farm policy has no exclusions for off-road coverage, including towing (which is why I have it, since AAA does not cover towing if you voluntarily go off-road). It does however exclude coverage for racing in a sanctioned racing events (but I would still be covered driving the course for any non-race purposes).

I dropped Unitrin a couple years ago because they had an exclusion for "vehicles with modified suspension." I called asking about airbags (pre-dually conversion) and they wouldn't provide an exception for airbags even!
__________________
2000 E450 dually V10 wagon
carringb is offline   Reply With Quote
Old 01-20-2013, 09:51 AM   #27
Senior Member
 
jage's Avatar
 
Join Date: Apr 2007
Location: Franktown, CO
Posts: 7,604
Re: VAN INSURANCE

Quote:
Originally Posted by carringb
I dropped Unitrin a couple years ago because they had an exclusion for "vehicles with modified suspension." I called asking about airbags (pre-dually conversion) and they wouldn't provide an exception for airbags even!
Ah, both Progressive and GMAC have a "4 inch lift" limit. It never came up with Farmers- Farmers is where I had an agent who is a family friend and asked most of my stupid questions when I was offroading and towing back in Indiana.

Ironically Progressive has nothing in the RV policy about lift limit. And, I need to double check the "offroad / not in a race" policy at Progressive- too much info, and I could easily be transcribing my Farmer's answers in the confusion.

Still I hold fast that they will use anything and everything to deny a claim if it's the least bit non-standard, regardless of company involved. Farmers recently denied a vandalism claim on our rental property and then used the information gathered to try to drop us from coverage! So, regardless I expect a fight if anything ever happens, more is the shame.
__________________
and then
everything changed
jage is offline   Reply With Quote
Old 01-20-2013, 10:34 AM   #28
Site Team
 
daveb's Avatar
 
Join Date: May 2007
Location: Turlock Ca
Posts: 10,156
Garage
Re: VAN INSURANCE

Because my vehicle is registered as a Sportsmobile (not a Ford) I wonder if they are refering to a modified lifted vehicle. I know it's a thin stretch but being it's coming off the line built as it is, would it be possible that they are considering a lifted vehicle as one that's been modified by somebody other than the manufacture?
__________________
2006 Ford 6.0PSD EB-50/E-PH SMB 4X4 Rock Crawler Trailer

Sportsmobile 4X4 Adventures..........On and off road adventures
daveb is offline   Reply With Quote
Old 01-20-2013, 12:20 PM   #29
Site Team
 
Ford_6L_E350's Avatar
 
Join Date: May 2007
Location: Washington - Ridgefield
Posts: 4,726
Re: VAN INSURANCE

How did you get it registered as an SMB Dave? I tried to do that, but both DMV and SF said the serial number says it is a Ford van, so it is registered as a Ford van and insured as a Ford Van based RV.

Mike
__________________
SOLD04 EB350 Custom Floorplan
6.0 PSD 4.10 Posi
Salem Kroger coil spring 4wd
SMB Trailer w/AT Air Suspension
Alaska to Key West, Labrador and more
130685 miles 16.65 mpg average

Prostate cancer survivor. viewtopic.php?f=8&t=11099
2015 VW GTI
Leaving CA for WA
Ford_6L_E350 is offline   Reply With Quote
Old 01-20-2013, 07:05 PM   #30
Site Team
 
daveb's Avatar
 
Join Date: May 2007
Location: Turlock Ca
Posts: 10,156
Garage
Re: VAN INSURANCE

Quote:
Originally Posted by Ford_6L_E350
How did you get it registered as an SMB Dave? I tried to do that, but both DMV and SF said the serial number says it is a Ford van, so it is registered as a Ford van and insured as a Ford Van based RV.

Mike
Maybe I'm wrong Mike. But on the insurance info I carry it says Model:Sportsmobile...I'd take a closer look but the van is at SMB right now. If you're correct, I guess my idea would be moot and I might have to look at GMAC's policy a bit closer. It would be another reason to go with SF. Did I say I hate insurance companies?
__________________

__________________
2006 Ford 6.0PSD EB-50/E-PH SMB 4X4 Rock Crawler Trailer

Sportsmobile 4X4 Adventures..........On and off road adventures
daveb is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Powered by vBadvanced CMPS v3.2.3
Disclaimer:

This website is not affiliated with or endorsed by Sportsmobile SIP or any of its affiliates. This is an independent, unofficial site.


All times are GMT -6. The time now is 06:19 AM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2021, vBulletin Solutions, Inc.
×