need new Insurance company

[Glenn Allen]

I have been using Progressive for years. I use them for the motorcycles, the
jet skis, and
now the bird. My daughter totaled one of the jet skis and they treated me very
well. I
was given the option to repair or get a check. I did not like their check amount
so they
asked me to justify my desired #. I provided them with data and they very
quickly paid
my #.

Their rates are usually good comparitively and their service has been very good.

Glenn

[Pete Masterson]

When I got a quote on insurance from the agent lurking in a CampingWorld store, the valued the coach based on the depreciated value based on the original list price. It didn't matter that I had a receipt for the actual price paid, etc. Their insurance price was way high anyway. (And the "free" camping guide that was offered as an inducement to sit down for the quote turned out to be a year out-of-date, too... )

My first policy was with National Interstate Insurance Company and my current policy is with Great American Assurance Company through the FMCA Five Star program. (see www.FMCAFiveStar.com ) You need to be a FMCA member to take advantage of their offering. The coverage was based on the price I paid for the coach.

Pete Masterson

'95 Blue Bird Wanderlodge WBDA 42

El Sobrante CA

"aeonix1@mac.com"

On Mar 5, 2008, at 7:38 AM, Dorn Hetzel wrote:

I can't even imagine what "book value" is for my 77FC35...  Do they allow negative numbers?

<snip>

[samax8]

Check with GEICO. When I bought my 82 FC, they sent someone to check it
out and agreed with the value that I requested.Have not had a claim
with them on the coach or motorcycles but have had claims on cars and
trucks and have been satisfied.

Bill Hudson
82FC33RB-


-- In WanderlodgeForum@yahoogroups.com, "Dale B. Cooper"
wrote:
>
> Looking for Insurance company, I am thinking of an Agreed Value type
> policy, any suggestions or recommendations.
>
> Dale Cooper
> 84FC35SB
> Painesville, Oh.
>

[Leroy Eckert]

But is it agreed value for the life of the policy, in writing? If not, they will bring the hose with them.
Leroy Eckert
1990 WB-40 Smoke N Mirrors
Dahlonega, GA
Royale Conversion

Pete Masterson wrote:

When I got a quote on insurance from the agent lurking in a CampingWorld store, the valued the coach based on the depreciated value based on the original list price. It didn't matter that I had a receipt for the actual price paid, etc. Their insurance price was way high anyway. (And the "free" camping guide that was offered as an
inducement to sit down for the quote turned out to be a year out-of-date, too... )

My first policy was with National Interstate Insurance Company and my current policy is with Great American Assurance Company through the FMCA Five Star program. (see www.FMCAFiveStar.com ) You need to be a FMCA member to take advantage of their offering. The coverage was based on the price I paid for the coach.

Pete Masterson

'95 Blue Bird Wanderlodge WBDA 42

El Sobrante CA

"aeonix1@mac.com"

On Mar 5, 2008, at 7:38 AM, Dorn Hetzel wrote:

I can't even imagine what "book value" is for my 77FC35... Do they allow negative numbers?

<snip>

---

Be a better friend, newshound, and know-it-all with Yahoo! Mobile. [url=http://us.rd.yahoo.com/evt=51733/*http://mobile.yahoo.com/;_ylt=Ahu06i62sR...o8Wcj9tAcJ ] Try it now.[/url]

[Mike Hohnstein]

I had Jeff Miller do an appraisal as he has done a good bit of work on FC. That was good enough for Progressive. It's in @ $50k, a little less than I have invested.

MH

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

From: "dhetzel@gmail.com"

To: "WanderlodgeForum@yahoogroups.com"

Sent: Wednesday, March 05, 2008 9:38 AM

Subject: Re: [WanderlodgeForum] Re: need new Insurance company

I can't even imagine what "book value" is for my 77FC35... Do they allow negative numbers?

Dorn Hetzel
77FC35
Hogansville, GA

On Wed, Mar 5, 2008 at 10:30 AM, Mike Hohnstein <"MHOHNSTEIN@wi.rr.com"> wrote:

Progressive is better than the criminals 'Good Sam?' sent my way. They didn't seem real excited about the value I wanted to claim on my FC. Only willing to talk about book value.

MH

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

From: "dhetzel@gmail.com"

To: "WanderlodgeForum@yahoogroups.com"

Sent: Wednesday, March 05, 2008 9:14 AM

Subject: Re: [WanderlodgeForum] Re: need new Insurance company

Yeah, got progressive now. Wondering if they are the only game in town for agreed value on older units?

On Wed, Mar 5, 2008 at 9:29 AM, Gregory OConnor <"Gregoryoc@aol.com"> wrote:

Out here in California I use WaWanesa for personal auto liability and
comp. For collision I keep a screwdriver in the glovebox of all
vehicles so I can keep the tags. Not sure if WaWa sells in the midwest?
GregoryO'Connor
94ptRomolandCa

--- In "WanderlodgeForum%40yahoogroups.com", "Dale B. Cooper"
...> wrote:
>

> Looking for Insurance company, I am thinking of an Agreed Value type
> policy, any suggestions or recommendations.
>
> Dale Cooper
> 84FC35SB
> Painesville, Oh.
>

[Dorn Hetzel]

Where is Jeff Miller local to? Can you pass along contact information?

That sounds like a pretty good option if it works out.

Regards,

Dorn Hetzel
77FC35
Hogansville, GA

On Wed, Mar 5, 2008 at 6:18 PM, Mike Hohnstein <"MHOHNSTEIN@wi.rr.com"> wrote:

I had Jeff Miller do an appraisal as he has done a good bit of work on FC. That was good enough for Progressive. It's in @ $50k, a little less than I have invested.

MH

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

From: "dhetzel@gmail.com"

To: "WanderlodgeForum@yahoogroups.com"

Sent: Wednesday, March 05, 2008 9:38 AM

Subject: Re: [WanderlodgeForum] Re: need new Insurance company

I can't even imagine what "book value" is for my 77FC35... Do they allow negative numbers?

Dorn Hetzel
77FC35
Hogansville, GA

On Wed, Mar 5, 2008 at 10:30 AM, Mike Hohnstein <"MHOHNSTEIN@wi.rr.com"> wrote:

Progressive is better than the criminals 'Good Sam?' sent my way. They didn't seem real excited about the value I wanted to claim on my FC. Only willing to talk about book value.

MH

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

From: "dhetzel@gmail.com"

To: "WanderlodgeForum@yahoogroups.com"

Sent: Wednesday, March 05, 2008 9:14 AM

Subject: Re: [WanderlodgeForum] Re: need new Insurance company

Yeah, got progressive now. Wondering if they are the only game in town for agreed value on older units?

On Wed, Mar 5, 2008 at 9:29 AM, Gregory OConnor <"Gregoryoc@aol.com"> wrote:

Out here in California I use WaWanesa for personal auto liability and
comp. For collision I keep a screwdriver in the glovebox of all
vehicles so I can keep the tags. Not sure if WaWa sells in the midwest?
GregoryO'Connor
94ptRomolandCa

--- In "WanderlodgeForum%40yahoogroups.com", "Dale B. Cooper"
wrote:
>

> Looking for Insurance company, I am thinking of an Agreed Value type
> policy, any suggestions or recommendations.
>
> Dale Cooper
> 84FC35SB
> Painesville, Oh.
>

[Pete Masterson]

A. Limit of Liability is the lesser of:

1. Actual cash value of the property

2. Amount necessary to repair or replace ... with other ... like kind and quality, or

3. Rating basis stated in the declarations

B. An adjustment for depreciation and physical condition will be made in determining actual cash value in the event of a total loss.

-- This is pretty common language to most vehicle insurance policies. I did not request a "stated value" policy (and I don't know if one is offered). The policy is also subject to the California Department of Insurance regulations (since the address used is in California). This has some impact on how much of a hose they can use.

I've not had any claims under this policy (nor the previous policy on my coach that I held).

I have twice in my life had to deal with "total loss" situations, both handled through California State Auto Assn., which has a better than average reputation. 

The first time, the car was 45 days old (this was 33 years ago) and my bride-to-be totaled it 2 days before our wedding. They paid promptly after verifying that the vehicle was, indeed, not repairable. (My bride-to-be rolled it 3-1/2 times.) They paid full invoice price of the car, less 10 cents per mile and the deductible. They did not pay the _sales tax_, however. Aside from the sales tax issue, the payment was reasonable.

A couple years ago, someone made an ill-advised left turn in front of my wife, causing a semi-head on collision. Her 12 year old Honda Civic, was, to my surprise, "totaled." Frankly, the damage didn't look that bad, but the cost of repairs exceeded the value of the car. The insurance company paid off promptly at a reasonable value for the vehicle as compared to the retail book price. (CSAA handled the claim and re-collected from the insurance of the at-fault driver. CSAA is notably pro-client in those circumstances, according to anecdotal reports I've heard.)

As for the coach, I'm sure a total loss might bring out some 'discussion' over the loss amount, but I know to get the appropriate professional help, should a negotiation occur. Since a total loss of a vehicle valued above $100K is unlikely, it would mostly be a repair situation, and the insurance company is basically "stuck" with a reasonable number of repair estimates.

PS. I'm still married to the lady who totaled my brand-new car. I didn't drive with her behind the wheel for nearly 10 years -- and now I only do that very rarely. She does not drive my bus. Some things you never forget.

Pete Masterson

'95 Blue Bird Wanderlodge WBDA 42

El Sobrante CA

"aeonix1@mac.com"

On Mar 5, 2008, at 2:59 PM, Leroy Eckert wrote:

But is it agreed value for the life of the policy, in writing? If not, they will bring the hose with them.
Leroy Eckert
1990 WB-40 Smoke N Mirrors
Dahlonega, GA
Royale Conversion

Pete Masterson <"aeonix1@mac.com"> wrote:

When I got a quote on insurance from the agent lurking in a CampingWorld store, the valued the coach based on the depreciated value based on the original list price. It didn't matter that I had a receipt for the actual price paid, etc. Their insurance price was way high anyway. (And the "free" camping guide that was offered as an inducement to sit down for the quote turned out to be a year out-of-date, too... )

My first policy was with National Interstate Insurance Company and my current policy is with Great American Assurance Company through the FMCA Five Star program. (see www.FMCAFiveStar.com ) You need to be a FMCA member to take advantage of their offering. The coverage was based on the price I paid for the coach.

Pete Masterson

'95 Blue Bird Wanderlodge WBDA 42

El Sobrante CA

"aeonix1@mac.com"

On Mar 5, 2008, at 7:38 AM, Dorn Hetzel wrote:

I can't even imagine what "book value" is for my 77FC35...  Do they allow negative numbers?

<snip>

---

Be a better friend, newshound, and know-it-all with Yahoo! Mobile. [url=http://us.rd.yahoo.com/evt=51733/*http://mobile.yahoo.com/;_ylt=Ahu06i62sR...o8Wcj9tAcJ ]Try it now.[/url] 

[John McGinnis]

Guys, FWIW, Book Values; NADA values; are bunk! NADA values are
obtained from national averages of recreational vehicles sold at
public vehicle auctions. If there were no Blue Birds sold during the
4th Qtr of 2007 the value posted in Jan 08 NADA guide is bogus. So
if anyone truly wants to rely on NADA or other price guides to
reference the value for their bird I'd seriously reconsider. It is
well worth the value to obtain a Certified Appraisal which meets the
Uniform Standards of Professional Appraisal Practices (USPAP). If
you ever have a claim which goes to court you're 95% closer of
getting a fair and equitable compensation, but if you don't have a
certified appraisal you'll be stuck with a NADA value which could be
$1000s below the true actual cash value of your coach. I highly
recommend a certified appraisal on your coach at least every other
year, but use a Certified Appraiser; you can find certified equipment
appraisers in the yellow pages. Appraisals performed by RV dealers
would almost be useless because they generally do not meet USPAP
standards, and usually will not hold up in court even more so if they
do not sell Bluebirds. As for insurance claims I'd have to say for
all the appraisals for which I had to defend Progressive was my worst
because they hire independent claims adjustors who generally work on
a fee plus a percentage basis based on the amount of claim they are
able to save the insurance company. Bottom line here is the bigger
the company, larger the claim, bigger the fight.
John McGinnis, Certified Appraiser, 88FC35 Louisville, KY

[Mike Hohnstein]

Jeff's in Holland MI "jamiller@iserv.net"

He might be able to help you if you email some images of your bird and promise to cross his palm with something of value.

MH

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

From: "dhetzel@gmail.com"

To: "WanderlodgeForum@yahoogroups.com"

Sent: Wednesday, March 05, 2008 5:23 PM

Subject: Re: [WanderlodgeForum] Re: need new Insurance company

Where is Jeff Miller local to? Can you pass along contact information?

That sounds like a pretty good option if it works out.

Regards,

Dorn Hetzel
77FC35
Hogansville, GA

On Wed, Mar 5, 2008 at 6:18 PM, Mike Hohnstein <"MHOHNSTEIN@wi.rr.com"> wrote:

I had Jeff Miller do an appraisal as he has done a good bit of work on FC. That was good enough for Progressive. It's in @ $50k, a little less than I have invested.

MH

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

From: "dhetzel@gmail.com"

To: "WanderlodgeForum@yahoogroups.com"

Sent: Wednesday, March 05, 2008 9:38 AM

Subject: Re: [WanderlodgeForum] Re: need new Insurance company

I can't even imagine what "book value" is for my 77FC35... Do they allow negative numbers?

Dorn Hetzel
77FC35
Hogansville, GA

On Wed, Mar 5, 2008 at 10:30 AM, Mike Hohnstein <"MHOHNSTEIN@wi.rr.com"> wrote:

Progressive is better than the criminals 'Good Sam?' sent my way. They didn't seem real excited about the value I wanted to claim on my FC. Only willing to talk about book value.

MH

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

From: "dhetzel@gmail.com"

To: "WanderlodgeForum@yahoogroups.com"

Sent: Wednesday, March 05, 2008 9:14 AM

Subject: Re: [WanderlodgeForum] Re: need new Insurance company

Yeah, got progressive now. Wondering if they are the only game in town for agreed value on older units?

On Wed, Mar 5, 2008 at 9:29 AM, Gregory OConnor <"Gregoryoc@aol.com"> wrote:

Out here in California I use WaWanesa for personal auto liability and
comp. For collision I keep a screwdriver in the glovebox of all
vehicles so I can keep the tags. Not sure if WaWa sells in the midwest?
GregoryO'Connor
94ptRomolandCa

--- In "WanderlodgeForum%40yahoogroups.com", "Dale B. Cooper"
...> wrote:
>

> Looking for Insurance company, I am thinking of an Agreed Value type
> policy, any suggestions or recommendations.
>
> Dale Cooper
> 84FC35SB
> Painesville, Oh.
>

[Kurt Achenbach]

Claim with Progressive

Last year I did not do what anyone knows, should be done, to your big
awning before you go to bed. It filled with water and around 2 AM
Saturday morning, the awning collapsed. Was able to store awning so
that we could drive home. Called Progressive on Tuesday, they came to
the house on Wednesday, agreed to replace the 19' awning and I had a
check in hand on Friday. Absolutely first class, no muss or fuss.

Kurt in NH
'97BMC 37'












--- In WanderlodgeForum@yahoogroups.com, "Ryan Wright"
wrote:
>
> On Wed, Mar 5, 2008 at 8:27 AM, Jack & Donna Smith
wrote:
> >
> > But they accept every dollar I send in without question :-)
>
> They're all very good at this one. Go figure, eh? :-)
>
> So, it sounds like people are happy with Progressive. Anyone know
how
> they deal with claims? I've been looking to switch, myself. I have
> State Farm and I love my agent, love their customer service, rates
are
> good, etc, but the one time they had to pay me a claim for an
accident
> that wasn't my fault was pure hell. They jerked me around on book
> value on a cheap car. $5,000 high book, I wanted $4,000 and had
> documentation showing it was a high book car, they tried for weeks
to
> get away with giving me $900. They played all sorts of mind games,
> asked me to gather information which I spent many hours doing, then
> when I gave it to them they claimed it was all worthless.
>
> I've been looking for a new insurance company since.
>
> -Ryan
> '86 PT-40 8V92
>