gypsydan Posted December 3, 2016 Report Share Posted December 3, 2016 BigRich, I'm curious as to the final outcome of your situation with salvage? 2009 Four Winds Chateau - 25' class C 2002 Chevy Tracker Link to comment Share on other sites More sharing options...
BigRich Posted December 3, 2016 Author Report Share Posted December 3, 2016 The final outcome was a negotiated $5500 from the salvage company. We wound up buying a 2004 Coachman, built out in late 2005, first sold in 2007 with 16K miles. Had it for two months and six trips now. We love it and we're keeping it fully insured! ;-) http://rtrvg.com/blog/ 2004 Coachman, F-53, 36' Link to comment Share on other sites More sharing options...
bigjim Posted December 4, 2016 Report Share Posted December 4, 2016 I am afraid to bring this up as I don't want to get the insurance company's attention, I would think hail could be an acto of God or a tornado. I have been paid for hail damage. And flooded cars have been covered. Link to comment Share on other sites More sharing options...
Ray,IN Posted December 4, 2016 Report Share Posted December 4, 2016 I've learned a lesson from your experience Big Rich. I was thinking of switching back to Good Sam MH insurance to save money while not using the MH- not now! I'll stay with Winnebago MH insurance, it's $300/yr less anyway. 2000 Winnebago Ultimate Freedom USQ40JD, ISC 8.3 Cummins 350, Spartan MM Chassis. USA IN 1SG retired;Good Sam Life member,FMCA ." And so, my fellow Americans: ask not what your country can do for you--ask what you can do for your country. John F. Kennedy 20 Jan 1961 Link to comment Share on other sites More sharing options...
Big5er Posted December 4, 2016 Report Share Posted December 4, 2016 I am afraid to bring this up as I don't want to get the insurance company's attention, I would think hail could be an acto of God or a tornado. I have been paid for hail damage. And flooded cars have been covered. That is because you had current "comprehensive" coverage, which is what the OP said he let drop since his vehicle was in storage. You have heard the term "collision and comp"? Collision coverage covers your car when you hit the tree while driving. Comprehensive covers the car when the tree falls on it while it is parked. MY PEOPLE SKILLS ARE JUST FINE.~It's my tolerance to idiots that needs work.~ 2005 Volvo 780 VED12 465hp / Freedomline transmission singled mid position / Bed by Larry Herrin2018 customed Mobile Suites 40KSSB3 2014 smart Fortwo Link to comment Share on other sites More sharing options...
BigRich Posted December 4, 2016 Author Report Share Posted December 4, 2016 Yup, this time we're keeping the new motorhome fully insured and at a local storage yard a mile away. It's an old FEMA camp from Katrina turned storage with full hookups, so if anything happens, we're ready to drive it away from the danger. -Rich http://rtrvg.com/blog/ 2004 Coachman, F-53, 36' Link to comment Share on other sites More sharing options...
LFDR3116 Posted December 4, 2016 Report Share Posted December 4, 2016 Liability and collision are the commonly dropped insurances for storage. Comprehensive is normally the coverage you would leave on it to cover fire, hail, theft, vandalism, flooding, lightning, etc. Too bad your agent didn't advise instead of letting you make an incorrect assumption/decision. This is a lesson to all. Share what you are doing/ trying to accomplish with your agent so they can advise you the best choice for accomplishing what you want. On a side note --- collision coverage should also be left in force if the rv/auto will be somewhere that is could be hit by another vehicle. Pat DeJong Link to comment Share on other sites More sharing options...
freestoneangler Posted December 18, 2016 Report Share Posted December 18, 2016 We recently learned a painful lesson. Years ago when we purchased a truck camper my wife asked whether we needed to insure it separately. The agent told her "no, if it's in or being towed by your truck, it is considered an extension of the vehicle coverage". What she did not say is that coverage is only liability. So, when my camper was recently whacked by a rogue deer, breaking out the corner where the camper jack mounts, we were left on our own to repair. Any future RV's will now have comprehensive. Live and learn... and learn, and learn . Link to comment Share on other sites More sharing options...
bigjim Posted December 18, 2016 Report Share Posted December 18, 2016 I was really glad I had my TT covered separately when the bear did so much damage to my window. How ever when I was towing in west TX and lost the awning it was covered under the tow vehicle. Link to comment Share on other sites More sharing options...
NoDirectionHome Posted December 24, 2016 Report Share Posted December 24, 2016 Won't make you feel better, but you're not alone http://www.foxnews.com/leisure/2013/01/08/ny-airport-housing-thousands-vehicles-damaged-during-superstorm-sandy/ "There are No Experts, Do the Math!" 2014 Freightliner Cascadia DD16 600hp 1850ft-lb 18spd 3.31 260"wb SpaceCraft S-470 SKP #131740 Link to comment Share on other sites More sharing options...
Solo18 Posted December 24, 2016 Report Share Posted December 24, 2016 Those signs on parking lots and such that say they are not responsible for any damage, etc. etc. are not necessarily legally binding. You cannot absolve yourself from liability just by posting a sign, or all of us would do it on any property we own. Check with a lawyer about any liability the dealer or storage lot owners may have, regardless of those posted signs or even paragraphs in a contract. Link to comment Share on other sites More sharing options...
Mike and Claudia Posted December 24, 2016 Report Share Posted December 24, 2016 Rich: We were needing some door parts for our MH. Stopped at Colaw Salvage in Carthage, MO. They sold the A/C units, water heaters, furnaces, bay doors, entrance doors, windows, electrical fixtures, plumbing fixtures, seats, etc, etc. I know that that was their business, but with the free classifieds available here, and other forums, It seems that you should very well be able to make more than they are offering. We found the parts there but had to pay $ 50.00 which was high, but we had been unable to find them anywhere else. I realize that there is a great "hassle" factor involved, but this is certainly an alternative if you wish to take it. Traveling America in "God's Grace" Link to comment Share on other sites More sharing options...
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