Interesting note from my insurance company

[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!
> > >
> >
>