docj

I'm confused. Would you be getting RA through USAA or Nationwide? Otherwise, which RA would you be calling to get mechanic's services?

You're saying that it's a benefit under the full-timers policies issued by those companies, not a road service benefit? If that's the case, who finds the mechanic and sets up the appointment?

This thread has focused on the towing/winching benefits, but I believe there are other differences between the road service plans. As one example, a couple of years ago we needed a mechanic to be dispatched to us in Sioux City IA. Coachnet located a local mechanic, arranged for the appointment and paid for his basic "service call" fee as well as his mileage charges. We paid his hourly rate and for parts. I'm not sure that the competing road service providers have an equivalent service.

I'm pretty sure that this is defined as being "in excess of a specified distance from a road". In other words, if you're down in a ravine they won't pull you out under this coverage.

It was the RV, but are you saying that the coverage wording is different for the car and the RV? If the words are the same there's no basis for denying coverage for the car for things that are covered for the RV.

Coachnet winched me out of the mud a couple of months ago. I got into the mud under my own power. Is that an accident? Well, I sure didn't get stuck in the mud on purpose! Furthermore, the mud didn't sneak up on me! 😂

I was assuming something that you could rightly charge to either another party or to your own collision coverage.

I think the difference is that if you need a tow that is directly related to an accident, then the charges should rightly go to whatever party is paying for the costs associated with the accident. If the tow or extraction isn't related to an accident then the road hazard policy should cover it

Once DirecTV converts to its "new" channel realignment, those portable domes will be able to receive HD channels.This should happen sometime in 2020.

With all due respect. Using SDCars is no more complicated than paying any other bill online and you only need a connection for a few minutes in order to use it.

I don't understand why you would prefer to do this rather than to use the SDCars.com website. That's what it's there for.

YouTube TV provides essentially unlimited DVR capability. You don't record programs to your PC; they are stored in a Cloud DVR. You can retrieve them whenever you wish.

Historically, RVIA shipments to dealers have tended to outpace sales. Just because RVs re sitting on lots awaiting shipment doesn't mean there's anyone at the other end waiting to buy them. At least for awhile a manufacturer can show product going out the door in excess of what its dealers can sell. In the '08 recession one of our then local dealers was sitting on several MH's that were 3-4 years old but which had never been sold.

I've yet to find a section of the TX code that states that. As long as my insurance company is happy with the arrangement, that's all I really care about.

What you have cited is the section of the vehicle code that applies to people coming into TX with the intent of becoming a resident. Yes, they have to register their cars within 30 days. However, I am not a TX resident and the following is the section of the code (502.0079. VEHICLES OPERATED BY CERTAIN NONRESIDENTS) that I believe applies to our situation and that of other "winter Texans": A nonresident owner of a privately owned passenger car that is registered in the state or country in which the person resides and that is not operated for compensation may operate the car in this state for the period in which the car's license plates are valid. In this subsection, "nonresident" means a resident of a state or country other than this state whose presence in this state is as a visitor and who does not engage in gainful employment or enter into business or an occupation, except as may otherwise be provided by any reciprocal agreement with another state or country. The key point is that I am a "visitor" who does not engage in gainful employment or any other activities that would indicate that I am seeking TX residency.

With all due respect, I'm not sure your example need be the only way this issue can be handled. We own an RV lot in Rockport TX and have a second car which stays at that location all year regardless of whether or not we are traveling in the MH. Both our cars are registered in SD which is our domicile state. The deal that Miller insurance worked out with Progressive Insurance is that our TX-based car would be insured at rates appropriate for where it is garaged--Rockport. The car that is our toad is rated as being garaged in SD. We are not TX residents (property ownership doesn't make you a resident) and my understanding of TX law is that I can keep my vehicles in TX as long as they are properly registered in my domicile state. If this is an incorrect interpretation of the law, no one has objected to date about it.

I've been renewing my SD registrations online for years and it sure doesn't cost me an extra $25 to do so. The renewals are mailed to my PMB which is also the address on my license. Haven't had a problem yet and you don't have to deal with the county office where you are registered: SD Cars website

My suggestion is to run, not walk, away from these dealers. What they're trying to do is hold you hostage to your deposit when they can't or won't produce the financing they promised. They'll come tell you that "we couldn't get you to quality for that really low interest rate we talked about, but you won't mind this one will you? It will only cost a few hundred dollars more per month! " 😂😂 If they have your money they will "slow roll" ever giving it back to you if you want to kill the deal. "Oh, the manager has to sign off on all refunds and he's away on a 3-month vacation!"

With all due respect, if you want power tools that truly last IMO there are better tools available these days than Craftsman. I usually buy brands such as Porter Cable, Milwaukee or Dewalt. Ir doesn't cost all that much more to step up to a true professional-quality tool.

Not to reopen an old argument, but the Emergency Travel Assistance policy is a lot less than many people think it is. According to this document from Lloyd's of London, FMCA pays a 70 cent per month premium for each member for this insurance. Even though there is strength in numbers, one shouldn't expect too much from a policy with <$10 in annual premium. The key thing IMHO is that this is often referred to as a "repatriation" policy which it clearly is not. It is intended to ensure that you are taken to the nearest medical facility that can provide the level of care you need, but there is no expectation that this will be a facility in your domicile area. There is a proviso whereby if you are evacuated to a nearby medical facility and still require additional treatment the policy might pay for transportation to your home area, but that is clearly not the primary outcome. Furthermore, all other benefits such as returning your RV to your home area are contingent on you (or your spouse) having been approved for medical transport in the first place. I'm not saying that this coverage is without any value, but in comparing it to the coverage provided by SkyMed, MASA and similar companies (for a lot more money) one shouldn't overlook the huge difference in premium charged. If you really believe that a policy with a $10/year premium will pay essentially the same benefits as one that costs ~$500/yr, then I have a bridge in Brooklyn to sell you along with several other "too good to be true" deals! Here's the Lloyd's document:https://www.sevencorners.com/docs/default-source/fmca_docs/fmca_plan.pdf Joel (AKA docj)

We've had nothing but good experiences with Coachnet, the most recent of which was in July. We had gotten ourselves stuck in the mud at an RV park up to our axles in a remote area of Prince Edward Island on Canada Day, a major national holiday. Within two hours Coachnet had a well-respected local wrecker operator on site and winching us out of the mud. The guy's wife was impressed that right off the bat she had been given a credit card number to cover all the costs. The bottom line for me is that I'm a very satisfied Coachnet customer; sometimes you do get what you pay for.

I was only billed for the PSA one of the times. I told the lab company that I was appealing and then the process was as I described it above. The company didn't respond to Medicare, therefore, they were forbidden from billing me for the procedure.

I am on a medication for which "best practices" dictates I should have a PSA test every 6-12 months. Regardless of how my physician codes the request, it always gets bounced by Medicare as not covered. However, each time it bounces I file a "level 1" appeal which takes only a few minutes. The appeals process results in Medicare directly the laboratory to provide specific information about the lab request. The interesting thing I've discovered is that neither LabCorp or Quest care about responding to these appeals in the time-frame specified by Medicare. When they fail to respond, the net result is that my appeal is denied but, at the same time, the denial letter states that the patient (me) can't be billed for the service (because they didn't respond). This has happened three times in a row so I know it's not a fluke. I wouldn't be surprised if it's a considered decision, that it is cheaper to lose the fee for an inexpensive lab test than it is to go through the trouble to respond to Medicare's paperwork. I can't think of a better explanation.

Our current mail service, YourBestAddress, occupies a suite within an office building. Therefore, the proper address block is PMB 1234 within Suite 214. That's way too complicated for some address fields to accept so I concatenated it to Suite 214-1234 and that seems to be perfectly acceptable.

Thanks for saying this. I've been saying roughly the same thing for years. Those who think their Escapees address (or any others) evades detection by these software packages are simply deluding themselves. What does happen is that some computer systems appear to be programmed to specifically reject the use of the term "PMB" and using this in an address field will result in an automatic rejection. I had this happen with my Wells Fargo account when I went to change the address online from the defunct MyDakotaAddress to YourBestAddress. Any attempt to use PMB in the address was rejected, but the same address was fine without those initials. However, I'm not fooling myself into thinking that the bank's computers don't know it's a PMB address. In fact, I was in a branch a couple of years ago when a bank "officer" accessed my account which clearly showed as a PMB even though I was careful to label it as an "apartment".