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Blues

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  1. Thank you for asking the question. Of course plenty of people don't bother reading an entire thread so they won't see the admission of bogosity, but as they say, if it keeps just one person from believing a falsehood, you've made a contribution.
  2. Check the breakdown of your coverage for something along the lines of "fulltimer liability," for about $100/year, just to be sure. Places like the ones Kirk mentioned understand fulltimers, but it never hurts to double-check. Years ago I had Geico quote a fulltimer policy for me, but when I checked the breakdown, I didn't see a premium for fulltimer liability. When I called back, I was told that "fulltimer" to them meant that the policy was good for traveling 365 days a year. However, I think most fulltimers want the personal liability coverage they no longer have when they give up homeowner's or renter's coverage. I certainly did.
  3. No need to start a new thread--there are dozens out there already, discussing it to death. However, it is my understanding that people who go the Montana LLC route don't domicile in Montana--they use Montana only to set up the LLC to own their RV, and if they're fulltimers, typically choose one of the Big Three for their domicile, just like most other fulltimers.
  4. I'm thinking you might benefit from a window.
  5. Then you are very fortunate.
  6. The problem these days, which was not the case in the past, is that there are a lot of people who make their living telling and convincing people that they can hit the road on very little money. They are salesmen, but people don't treat their information with the caution that salesmen's statements should be treated. In a battle between a moral stance and a sales pitch, the sales pitch is gonna win.
  7. I don't see anywhere that I doubted that your claim was paid. The only question is why it was paid, if what you did didn't comply with the policy requirements. And to that the answer is, "Who knows." My "they like you" is similar to your "they wanted to keep my business."
  8. Do you have access to the policy that covered it? I've had fulltimer insurance from a few different companies, and I have copies of my policies from both Progressive and National Interstate and they have identical language: "Loss due to theft of personal effects located inside 'your covered auto' must be proven by visible evidence of forced entry." and "You are responsible for providing reasonable safekeeping for personal effects located outside 'your covered auto.'" If you did have this language, then perhaps the insurance company considered your leaving the camera unattended outside your RV as "reasonable safekeeping." Or maybe they just liked you. Who knows. But the bottom line is to know what your policy says, which pretty much nobody does. It's discussions like this that can alert people that they don't know what they don't know. It never would have occurred to me that visible evidence of forced entry is required for a theft to be covered until someone mentioned it somewhere, and I checked my own policy.
  9. Bays are where bicycles should be kept, to keep them out of sight. And many insurance policies require signs of forced entry in order to cover stolen contents.
  10. She's more associated with living in Bolinas, a tiny hippie town in northern California. https://www.newyorker.com/magazine/2021/05/31/what-the-bolinas-poets-built
  11. If Trail Ridge Road (Rocky Mountain NP) was too much for you, Highway 550 will definitely be too much. However, the Dolores route isn't necessarily inferior when it comes to scenery. Ralph Lauren's ranch is on Dallas Divide, between Placerville and Ridgway, and it's a spectacularly beautiful location--just what you would expect for a man with good taste and unlimited funds. Every time I drive through there, I think, "What I wouldn't give..." So don't "just go" the Dolores route--choose the Dolores route.
  12. I was with Miller for several years, and started having the same problems you're having and in 2014 switched to Thum Insurance. https://thuminsurance.com/ I'm currently with Progressive through Thum. The only claim I've ever filed was for a windshield, and that was handled fine (and I know windshield claims are pretty much a no-brainer, but that's all I've had, and I'm not sure Thum was even involved). But I've adjusted my coverage during my time with them, and never had a problem getting someone on the phone, and emails (which I prefer) were answered quickly. I will suggest, however, that you shop around. I found that going directly to the "mothership" instead of through an agent didn't necessarily mean a lower premium for the same coverage with the same company, which definitely surprised me. And I noticed in another thread you were wondering if when you submit an address change (to Livingston) you'll "have to proclaim" you're a fulltimer. You definitely want to proclaim you're a fulltimer. For one, that will mean that you and the insurance company understand and agree on what you're doing. And for another, it will mean that your policy will include fulltimer's personal liability coverage (mine is $89/year); most people get personal liability coverage as part of their homeowner's or renter's insurance, but fulltimer RVers don't have homeowner's or renter's insurance. You should also look into how much personal effects coverage is included in your policy, since you won't have anything covered under a homeowner's or renter's policy. In my case, I have a "general" amount of personal effects coverage, but in my Progressive policy, some individual types of items aren't covered if they're worth over $500. So for fancy bicycles and computers that are worth more than that, I have them insured as "valuable personal property," and I had to submit a receipt for each of them. That coverage is cheap--the premium is less than 1% of the item's value. I remember that on some quotes I was getting, I would specify the amount of general personal effects coverage (not the valuable personal property--that's a specialized part of the process), but on a Geico quote I got in 2014, it included only $1,000 of personal effects coverage, and the only reason I noticed was I have a spreadsheet where, for every quote I get, I enter the premium for each element of coverage (collision, comprehensive, fulltimer liability, etc., along with the deductible) in addition to the total premium, to double-check that I'm getting the coverage I think I am. It also makes it easy to track what caused a premium increase--like when my premium with National Interstate through Miller jumped over $500 on renewal. I realized that $471 of that was due to an increase in the premium for comprehensive coverage. Apparently National Interstate was adjusting its premiums to reflect high comprehensive claims it had experienced in Texas; it had nothing to do with me personally, so I wasn't "mad" at National Interstate. (I think a lot of people don't understand why premiums can rise even if they haven't filed a claim.) The spreadsheet is also how I found out that the Geico policy didn't include fulltimer's liability, which at the time they didn't offer in Texas. They said they considered it a fulltimer's policy because it covered use 365 days a year, and I countered that if it didn't include the personal liability element, it wasn't a true fulltimer's policy. My impression is that they now do offer the fulltimer's personal liability coverage in Texas, so that problem may be solved, but it's the sort of thing you have to look out for when getting quotes, and is why I recommend that people never just look at the total premium, and should always ask for the breakdown if they don't get it automatically.
  13. Blues

    Electric bills

    I'm curious about what this relief will look like. Will they have to account for the savings they'd gotten until the big spike? Especially during the high-electric-use summer months? If not, they will have gotten the benefit of the lower electricity costs without any of the risk, and that doesn't seem fair. Well, to those who didn't enter into these risky arrangements, anyway.
  14. Eh, it's a huge difference only if you're interested in accuracy. That may be the case, but the point is that NamMedevac70 said he heard there were 700 variants, and when challenged, posted his source, and it appears he is still misunderstanding it, because it said: "As of February 7, 699 variant cases have been confirmed across 34 states, with 691 cases being the b.1.1.7 variant." A "variant case" is not the same as a "variant." I can't find a Dr. John Walker who says there are 1300 variants. Source?
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