Re: [A/S] Re: RV insurance

[John P Sargeant <sargeant@xxxxxx>]

I'm an adjuster in the insurance business and insured my 74 with the 
company I work for. I am also an Ontario resident, so take that into 
account. They added my A/S to my residential policy with an
RV package that sounds very like the others noted here, even the RV 
speciality insurer's. My Condo policy liability was extended to cover my 
liability while the trailer is not attached to the towing
vehicle. While it is attached, the liability coverage on the towing 
vehicle extends to cover. So if you turn too short and wipe out the side 
of the district president's new A/S, you're covered by the
tow vehicle coverage, but if he falls down the steps of the trailer 
while exiting and you're not attached, the Condo liability coverage 
applies.
Price was about the same $156.00 per year based on a monthly payment 
plan. (slightly higher)
The value of the trailer is replacement cost for the forst 9 years and 
then is Actual Cash Value or what a simular unit would sell for on a 
cash deal basis without a trade.
The thing I'm concerned about, and so should everyone be, is how I'll be 
treated should I have a clam. -----they don't let me adjust my own 
claim.
I also carry CAA, which is the counterpart to AAA. I've used that a 
number of times for breakdowns and lockouts. It also has a deal with 
Sunoco whereby if I fuel up at Sunoco, I get credit against my
CAA premium. Last year I saved $4.00......but I couldn't find a Sunoco 
every time.Drat.
CAA has an RV package which overlaps my insurance coverage to some 
degree, but gives you trip ticks and a set up for rescue through AAA in 
the US of A.