Interesting note from my insurance company

[hippieforever3]

They just sent me my endorsement and uncharacteristically I decided to
look it over.

Well ... pleasant surprise. They added RV roadside assistance AT NO
ADDITIONAL CHARGE!

They are also listing "Limited Mexico Coverage" but I can't find out
any details without obtaining and reading the entire policy.

WOW, something for free! I'm stoked.

Movin on more confidently,
GPSGary
84FC35
South Dakota registration
AARP - Hartford vehicle insurance

[jvredden@...]

WOW> Christmas came early for you. I would like to share 2 observations of li

In a message dated 11/25/2008 10:14:11 P.M. Eastern Standard Time, debra@... writes:

They just sent me my endorsement and uncharacteristically I decided to
look it over.

Well ... pleasant surprise. They added RV roadside assistance AT NO
ADDITIONAL CHARGE!

They are also listing "Limited Mexico Coverage" but I can't find out
any details without obtaining and reading the entire policy.

WOW, something for free! I'm stoked.

Movin on more confidently,
GPSGary
84FC35
South Dakota registration
AARP - Hartford vehicle insurance

---

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[Al Scudder]

Gary, call your local tow shop and see if they will tow your coach under the terms of the insurance

Scooter

00XL40

Plymouth, mi

----- Original Message -----

From: hippieforever3

Sent: Tuesday, November 25, 2008 10:13 PM

To: WanderlodgeForum@yahoogroups.com

Subject: [WanderlodgeForum] Interesting note from my insurance company

They just sent me my endorsement and uncharacteristically I decided to
look it over.

Well .. pleasant surprise. They added RV roadside assistance AT NO
ADDITIONAL CHARGE!

They are also listing "Limited Mexico Coverage" but I can't find out
any details without obtaining and reading the entire policy.

WOW, something for free! I'm stoked.

Movin on more confidently,
GPSGary
84FC35
South Dakota registration
AARP - Hartford vehicle insurance

[hippieforever3]

They give a special customer service number for the road assistance.
Everytime I've ever called Hartford customer assistance, I've been
connected with very helpful native English speaking representatives.

I'm pretty optimistic.

Movin on,
GPSGary

[Pete Masterson]

Actually, a lot of "auto" insurance policies include road service/
towing insurance, either at a small charge or at no charge. It
depends, in part, in what state you're in and the standard policies
issued in that state. The local towing service won't care what policy
you have as the coverage is a pay and reimburse type of coverage.
That is, you find a towing or roadside repair service, and the
insurance company reimburses you for the expense of the tow or
service call (but not for some types of labor, parts or fuel) up to
the limits stated in the policy.

The main problem is, YOU have to find the service provider. Hardly
the easiest thing to do when you're out on the road without yellow
pages or other support (even if you have access to the Internet). The
Emergency Road Service provided by FMCA/Coach Net or Good Sam ERS is
a prepaid service. You call the 800 number on the membership card,
and the ERS finds and dispatches a service provider. You only have to
pay for the parts, fuel, or time charges not included in the service
call charge. (e.g. If a service provider has a $100 fee to come to
your location, the ERS pays it. You may then have to pay the mechanic
for X hours of labor on site, if there is a labor charge beyond the
service fee. When I recently had a blow out, Good Sam ERS arranged
payment for the tire "at our national discount rate" (that wasn't all
that great) and the service call included installing the tire by the
side of the road. Still, I didn't have to come up with *cash* for the
service call or tire, as is sometimes the case if you're on a pay-as-
you-go/reimbursement plan.

So, you may have "free" road service coverage, but it may or may not
be the road service coverage you want or need. My liability insurance
policy has road service coverage included, but I've found it better
to have Good Sam ERS as well.

Pete Masterson
'95 Blue Bird Wanderlodge WBDA 42
aeonix1@...
On the road at Lockhart, TX



On Nov 26, 2008, at 10:13 AM, Al Scudder wrote:

> Gary, call your local tow shop and see if they will tow your coach
> under the terms of the insurance
> Scooter
> 00XL40
> Plymouth, mi
>
> ----- Original Message -----
> From: hippieforever3
> Sent: Tuesday, November 25, 2008 10:13 PM
> To: WanderlodgeForum@yahoogroups.com
> Subject: [WanderlodgeForum] Interesting note from my insurance company
>
> They just sent me my endorsement and uncharacteristically I decided to
> look it over.
>
> Well .. pleasant surprise. They added RV roadside assistance AT NO
> ADDITIONAL CHARGE!
>

[birdshill123]

Most insuarnce policy tow services have a distance or dollar limit. Can
you imagine the cost of towing a BB 200 miles?? Good Sam or FMCA will
tow you to the nearest accredited facility for your repairs. If your
Detroit needs repairs that would mean a Detroit Certified facility.
That could entail a long tow. Both FMCA and Good Sam are aware of the
type of service vehicle required and normally you will get a KW type
truck with a wheel lift . Try and find that on your own. If you need a
tire serviced they will send a truck tire service truck. For $100 you
cannot go wrong. Both FMCA and Good Sam will reimburse you up to $1000
for Mexico service.


Bruce

1988 FC35

[hippieforever3]

GEEEZ, can someone help pull the arrows out of my back?

I'm just reporting the facts as writen in my policy endorsement.
First it is a specific rider for RVs so I have to assume they
understand not to send a F-150 tow truck.
Second its not a "re-embursement" plan where I have to call the
service myself, they make the call and dispatch appropriate service
resources.
Third they do specify they will tow it to the nearest qualified
repair facility if necessary.

Now that said, they may not know what they got themselves into but I
have NEVER hung up the phone to Hartford Customer Service without
being 100% satisfied, so I'm going to give them the benefit of the
doubt. Let me enjoy my freebee. You might want to ask me how I feel
the next time your insurance is up for renewal.

Regards,
GPSGary










--- In WanderlodgeForum@yahoogroups.com, Pete Masterson
wrote:
>
> Actually, a lot of "auto" insurance policies include road service/
> towing insurance, either at a small charge or at no charge. It
> depends, in part, in what state you're in and the standard
policies
> issued in that state. The local towing service won't care what
policy
> you have as the coverage is a pay and reimburse type of coverage.
> That is, you find a towing or roadside repair service, and the
> insurance company reimburses you for the expense of the tow or
> service call (but not for some types of labor, parts or fuel) up
to
> the limits stated in the policy.
>
> The main problem is, YOU have to find the service provider. Hardly
> the easiest thing to do when you're out on the road without yellow
> pages or other support (even if you have access to the Internet).
The
> Emergency Road Service provided by FMCA/Coach Net or Good Sam ERS
is
> a prepaid service. You call the 800 number on the membership card,
> and the ERS finds and dispatches a service provider. You only have
to
> pay for the parts, fuel, or time charges not included in the
service
> call charge. (e.g. If a service provider has a $100 fee to come to
> your location, the ERS pays it. You may then have to pay the
mechanic
> for X hours of labor on site, if there is a labor charge beyond
the
> service fee. When I recently had a blow out, Good Sam ERS arranged
> payment for the tire "at our national discount rate" (that wasn't
all
> that great) and the service call included installing the tire by
the
> side of the road. Still, I didn't have to come up with *cash* for
the
> service call or tire, as is sometimes the case if you're on a pay-
as-
> you-go/reimbursement plan.
>
> So, you may have "free" road service coverage, but it may or may
not
> be the road service coverage you want or need. My liability
insurance
> policy has road service coverage included, but I've found it
better
> to have Good Sam ERS as well.
>
> Pete Masterson
> '95 Blue Bird Wanderlodge WBDA 42
> aeonix1@...
> On the road at Lockhart, TX
>
>
>
> On Nov 26, 2008, at 10:13 AM, Al Scudder wrote:
>
> > Gary, call your local tow shop and see if they will tow your
coach
> > under the terms of the insurance
> > Scooter
> > 00XL40
> > Plymouth, mi
> >
> > ----- Original Message -----
> > From: hippieforever3
> > Sent: Tuesday, November 25, 2008 10:13 PM
> > To: WanderlodgeForum@yahoogroups.com
> > Subject: [WanderlodgeForum] Interesting note from my insurance
company
> >
> > They just sent me my endorsement and uncharacteristically I
decided to
> > look it over.
> >
> > Well .. pleasant surprise. They added RV roadside assistance AT NO
> > ADDITIONAL CHARGE!
> >
>

[Rick B]

Gary,

One thing you might want to check on is if using this service is
considered a "claim" on your insurance policy, thus affecting your
rates. I found this to be the case with a Roadside policy I had a few
years back that was part of my insurance policy, and have since
switched to a roadside assistance plan which is completely separate
from my insurance company.

- Rick
87FC35
Rochester, MN

--- In WanderlodgeForum@yahoogroups.com, "hippieforever3"
wrote:
>
> GEEEZ, can someone help pull the arrows out of my back?
>
> I'm just reporting the facts as writen in my policy endorsement.
> First it is a specific rider for RVs so I have to assume they
> understand not to send a F-150 tow truck.
> Second its not a "re-embursement" plan where I have to call the
> service myself, they make the call and dispatch appropriate service
> resources.
> Third they do specify they will tow it to the nearest qualified
> repair facility if necessary.
>
> Now that said, they may not know what they got themselves into but I
> have NEVER hung up the phone to Hartford Customer Service without
> being 100% satisfied, so I'm going to give them the benefit of the
> doubt. Let me enjoy my freebee. You might want to ask me how I feel
> the next time your insurance is up for renewal.
>
> Regards,
> GPSGary
>
>
>
>
>
>
>
>
>
>
> --- In WanderlodgeForum@yahoogroups.com, Pete Masterson
> wrote:
> >
> > Actually, a lot of "auto" insurance policies include road service/
> > towing insurance, either at a small charge or at no charge. It
> > depends, in part, in what state you're in and the standard
> policies
> > issued in that state. The local towing service won't care what
> policy
> > you have as the coverage is a pay and reimburse type of coverage.
> > That is, you find a towing or roadside repair service, and the
> > insurance company reimburses you for the expense of the tow or
> > service call (but not for some types of labor, parts or fuel) up
> to
> > the limits stated in the policy.
> >
> > The main problem is, YOU have to find the service provider. Hardly
> > the easiest thing to do when you're out on the road without yellow
> > pages or other support (even if you have access to the Internet).
> The
> > Emergency Road Service provided by FMCA/Coach Net or Good Sam ERS
> is
> > a prepaid service. You call the 800 number on the membership card,
> > and the ERS finds and dispatches a service provider. You only have
> to
> > pay for the parts, fuel, or time charges not included in the
> service
> > call charge. (e.g. If a service provider has a $100 fee to come to
> > your location, the ERS pays it. You may then have to pay the
> mechanic
> > for X hours of labor on site, if there is a labor charge beyond
> the
> > service fee. When I recently had a blow out, Good Sam ERS arranged
> > payment for the tire "at our national discount rate" (that wasn't
> all
> > that great) and the service call included installing the tire by
> the
> > side of the road. Still, I didn't have to come up with *cash* for
> the
> > service call or tire, as is sometimes the case if you're on a pay-
> as-
> > you-go/reimbursement plan.
> >
> > So, you may have "free" road service coverage, but it may or may
> not
> > be the road service coverage you want or need. My liability
> insurance
> > policy has road service coverage included, but I've found it
> better
> > to have Good Sam ERS as well.
> >
> > Pete Masterson
> > '95 Blue Bird Wanderlodge WBDA 42
> > aeonix1@
> > On the road at Lockhart, TX
> >
> >
> >
> > On Nov 26, 2008, at 10:13 AM, Al Scudder wrote:
> >
> > > Gary, call your local tow shop and see if they will tow your
> coach
> > > under the terms of the insurance
> > > Scooter
> > > 00XL40
> > > Plymouth, mi
> > >
> > > ----- Original Message -----
> > > From: hippieforever3
> > > Sent: Tuesday, November 25, 2008 10:13 PM
> > > To: WanderlodgeForum@yahoogroups.com
> > > Subject: [WanderlodgeForum] Interesting note from my insurance
> company
> > >
> > > They just sent me my endorsement and uncharacteristically I
> decided to
> > > look it over.
> > >
> > > Well .. pleasant surprise. They added RV roadside assistance AT NO
> > > ADDITIONAL CHARGE!
> > >
> >
>