need new Insurance company

[Jack and Liz Pearce]

--- 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.
>

We use Explorer RV Insurance. http://www.explorerrv.com 888.774.6778 and Bob
Isbell is our agent. We are satisfied with this firm. Both our Bird and
Jeep are insured there.

Regards,
Jack and Liz
Regards,
Jack and Liz Pearce
Fulltiming in a 1993 Wanderlodge WB40
D'Hanis, TX

[Dorn Hetzel]

I was just in contact with explorerrv and the indicated they didn't have any agreed value coverage available for a 77. Oh well...

Dorn Hetzel
77FC35
Hogansville, GA

On Thu, Mar 6, 2008 at 9:35 AM, Jack and Liz Pearce <"jacklizpearce@gmail.com"> wrote:

--- 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.

>

We use Explorer RV Insurance. www.explorerrv.com 888.774.6778 and Bob

Isbell is our agent. We are satisfied with this firm. Both our Bird and

Jeep are insured there.



Regards,

Jack and Liz

Regards,

Jack and Liz Pearce

Fulltiming in a 1993 Wanderlodge WB40

D'Hanis, TX

[Jon]

--- 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.


CHECK OUT CAMPER WORLD THEY DEAL WITH GMAC AND I HAVE FOUND OUT THAT
THEY REALLY GO THE EXTRA MILE TO HELP YOU OUT. GMAC DOESN'T CARE IF
YOU DROP YOUR INSURANCE WHEN NOT NEEDED AND WHEN YOU DO YOU JUST CALL
THEY UP AND YOUR OFT AND RUNNING. CAMPERWORLD GOOD PLACE TO DEAL
WITH INSURANCE PROBLEMS. JON

JON
REBEL BIRD.

>

[Leroy Eckert]

I just obtained an agreed value policy through RV America. The underwriter is American Modern. The agreed value is $107,761 which is supported by an independent certified appraisal which I obtained.
What makes all the work worthwhile is this. The independent appraiser stated. "If you entertain trading this motor coach for newer production model you would be making a big mistake. This is the nicest 18 year old coach I have ever seen." He also said, if kept in it's current condition further depreciation would be minimal. For what it's worth.

Leroy Eckert
1990 WB-40 Smoke N Mirrors
Daholonega, GA
Royale Conversion

Dorn Hetzel wrote:

I was just in contact with explorerrv and the indicated they didn't have any agreed value coverage available for a 77. Oh well...

Dorn Hetzel
77FC35
Hogansville, GA

On Thu, Mar 6, 2008 at 9:35 AM, Jack and Liz Pearce <"jacklizpearce@gmail.com"> wrote:

--- 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.
>

We use Explorer RV Insurance. www.explorerrv.com 888.774.6778 and Bob
Isbell is our agent. We are satisfied with this firm. Both our Bird and
Jeep are insured there.

Regards,
Jack and Liz
Regards,
Jack and Liz Pearce
Fulltiming in a 1993 Wanderlodge WB40
D'Hanis, TX

---

Never miss a thing. Make Yahoo your homepage.

[Dorn Hetzel]

Leroy,

Who did your appraisal? You're close enough to me it seems like they might be a
good option for me to get one done...

Regards,

Dorn Hetzel
77FC35
Hogansville, GA

On Thu, Mar 6, 2008 at 4:37 PM, Leroy Eckert <"jwasnewski@yahoo.com"> wrote:

I just obtained an agreed value policy through RV America. The underwriter is American Modern. The agreed value is $107,761 which is supported by an independent certified appraisal which I obtained.
What makes all the work worthwhile is this. The independent appraiser stated. "If you entertain trading this motor coach for newer production model you would be making a big mistake. This is the nicest 18 year old coach I have ever seen." He also said, if kept in it's current condition further depreciation would be minimal. For what it's worth.

Leroy Eckert
1990 WB-40 Smoke N Mirrors

Daholonega, GA
Royale Conversion

Dorn Hetzel <"dhetzel@gmail.com"> wrote:

I was just in contact with explorerrv and the indicated they didn't have any agreed value coverage available for a 77. Oh well...

Dorn Hetzel
77FC35
Hogansville, GA

On Thu, Mar 6, 2008 at 9:35 AM, Jack and Liz Pearce <"jacklizpearce@gmail.com"> wrote:

--- 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.
>

We use Explorer RV Insurance. www.explorerrv.com 888.774.6778 and Bob

Isbell is our agent. We are satisfied with this firm. Both our Bird and
Jeep are insured there.

Regards,
Jack and Liz
Regards,
Jack and Liz Pearce
Fulltiming in a 1993 Wanderlodge WB40
D'Hanis, TX

---

Never miss a thing. Make Yahoo your homepage.

[Leroy Eckert]

Sawnee Mountian RV, Cumming, GA 770-886-7847
Hwy 369 and GA 400. I took the coach in, he checked it out, spent about one hour physically, and e-mailed me the appraisal. $180.00. Looks closely for water damage internal and external, rust, system ops and how clean the coach is. "He was very thorough. Ask for Todd Bagley, President/CEO
Leroy Eckert
1990 WB-40 Smoke N Mirrors
Dahlonega, GA
Royale Conversion

Dorn Hetzel wrote:

Leroy,

Who did your appraisal? You're close enough to me it seems like they might be
a
good option for me to get one done...

Regards,

Dorn Hetzel
77FC35
Hogansville, GA

On Thu, Mar 6, 2008 at 4:37 PM, Leroy Eckert <"jwasnewski@yahoo.com"> wrote:

I just obtained an agreed value policy through RV America. The underwriter is American Modern. The agreed value is $107,761 which is supported by an independent certified appraisal which I obtained.
What makes all the work worthwhile is this. The independent appraiser stated. "If you entertain trading this motor coach for newer production model you would be making a big mistake. This is the nicest 18 year old coach I have ever seen." He also said, if kept in it's current condition further depreciation
would be minimal. For what it's worth.

Leroy Eckert
1990 WB-40 Smoke N Mirrors

Daholonega, GA
Royale Conversion

Dorn Hetzel <"dhetzel@gmail.com"> wrote:

I was just in contact with explorerrv and the indicated they didn't have any agreed value coverage available for a 77. Oh well...

Dorn Hetzel
77FC35
Hogansville, GA

On Thu, Mar 6, 2008 at 9:35 AM, Jack and Liz Pearce <"jacklizpearce@gmail.com"> wrote:

--- 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.
>

We use Explorer RV Insurance. www.explorerrv.com 888.774.6778 and Bob
Isbell is our agent. We are satisfied with this firm. Both our Bird and
Jeep are insured there.

Regards,
Jack and Liz
Regards,
Jack and Liz Pearce
Fulltiming in a 1993 Wanderlodge WB40
D'Hanis, TX

---

Never miss a thing. Make Yahoo your homepage.

---

Never miss a thing. Make Yahoo your homepage.

[Leroy Eckert]

I just got word back that the appraisal was accepted. If you want to use the same person who is familiar with BB's call Christine at 818-735-6770x213. She may be able to help. I don't personally know about the coach year. She was very helpful.
Leroy Eckert
1990 WB-40 Smoke N Mirrors
Dahlonega, GA
Royale Conversion
On a mission to keep the value of our birds up.

Dorn Hetzel wrote:

Leroy,

Who did your appraisal? You're close enough to me it seems like they might be a
good option for me to get one
done...

Regards,

Dorn Hetzel
77FC35
Hogansville, GA

On Thu, Mar 6, 2008 at 4:37 PM, Leroy Eckert <"jwasnewski@yahoo.com"> wrote:

I just obtained an agreed value policy through RV America. The underwriter is American Modern. The agreed value is $107,761 which is supported by an independent certified appraisal which I obtained.
What makes all the work worthwhile is this. The independent appraiser stated. "If you entertain trading this motor coach for newer production model you would be making a big mistake. This is the nicest 18 year old coach I have ever seen." He also said, if kept in it's current condition further depreciation would be minimal. For what it's
worth.

Leroy Eckert
1990 WB-40 Smoke N Mirrors

Daholonega, GA
Royale Conversion

Dorn Hetzel <"dhetzel@gmail.com"> wrote:

I was just in contact with explorerrv and the indicated they didn't have any agreed value coverage available for a 77. Oh well...

Dorn Hetzel
77FC35
Hogansville, GA

On Thu, Mar 6, 2008 at 9:35 AM, Jack and Liz Pearce <"jacklizpearce@gmail.com"> wrote:

--- 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.
>

We use Explorer RV Insurance. www.explorerrv.com 888.774.6778 and Bob
Isbell is our agent. We are satisfied with this firm. Both our Bird and
Jeep are insured there.

Regards,
Jack and Liz
Regards,
Jack and Liz Pearce
Fulltiming in a 1993 Wanderlodge WB40
D'Hanis, TX

---

Never miss a thing. Make Yahoo your homepage.

---

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]

[Terry Neal]

We have an agreed upon value policy with Hartford on the PT40. I also
use the screwdriver policy (like Greg) on the FC. Couldn't come close
to Hartford's premium with anyone & I tried them all. A lot
depends upon your broker though. Just my experience.



Terry Neal

Bozeman, MT

82PT40 6V92TA

74FC34 6V53T











Pete Masterson wrote:







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. (seewww.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.Try

it now.







				

[Terry Neal]

By the way... Hartford didn't argue for a minute about the agreed upon
value nor did they ask for an appraisal.



We have an agreed upon value policy with Hartford on the PT40. I also
use the screwdriver policy (like Greg) on the FC. Couldn't come close
to Hartford's premium with anyone & I tried them all. A lot
depends upon your broker though. Just my experience.



Terry Neal

Bozeman, MT

82PT40 6V92TA

74FC34 6V53T











Pete Masterson wrote:







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. (seewww.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.Try

it now.







				

[Terry Neal]

Ryan, if you have any under age drivers (less than 25) you CAN'T BEAT
HARTFORD!!! Also, see my previous posts on the Blue Bird coverage's.
Can't beat them & I know a lot of insurance companies that I
shopped the coverage with.

Terry Neal

Bozeman, MT

82PT40 6V92TA

74FC34 6V53T











Ryan Wright wrote:







On Wed, Mar 5, 2008 at 8:27 AM, Jack & Donna Smith <"jaxdon%40cox.net"> 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