Interesting note from my insurance company

[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!
>