RE: Truck Camper insurance
How would full replacement coverage work on a camper that one still owes money on? I wonder how it takes into account equity vs. owed?These types of questions really need to be addressed with your insurance company. It's a GREAT question.
My policy is "replacement" which in California means "of like kind and value." So, if lets say, the camper you own is a total loss in an accident and you owe 20K on it and insurance company can find the same camper for 15K (this is always negotiable), they will write you a check for 15K to go replace it. Of course you still have your 20k loan to pay.
If you have "payment protection" then they will give you the entire 20k balance. As I stated before, it is very important that you SEE all of this in writing.
Don't just let your agent "tell" you.
RE: Truck Camper insurance
My agent said it has been added to the trucks policy, they never charged any additional fee for the camper and I was uneasy of anything free, so I called him again and he reiterated it is covered on or off the truck, then a statement came from State Farm showing the Lance and serial number as an endorsement to the policy, but still no fee or bill.
I also have State Farm and they told me the same thing. Covered on the truck policy and it doesn't matter if it is on or off the truck it is still covered.As long as it's in writing I'd say you're good. Just make sure you see it as an added item somewhere on the policy. I'm not as concerned with replacement as I am with liability.
RE: New Generator?
Interesting..... Costs around a grand..... If you get 4 years out of it that's $250/year or around 10 bucks a month. Buy another one in 4 years.
RE: Truck Camper Sales Scam
There are literally millions upon millions of scams being run on the Internet! You simply have to learn to live with it (like computer viruses). For every scam someone here outlined, there are probably untold numbers of iterations more unknown. It's a fact of life, nothing will change it. Even holding your breath till you turn blue.
I once read about a guy (last week) who scammed $ 50 billion (probably more like $100 billion US when all is said and done) from supposedly savvy world-class investors, right in front of the SEC's nose (imagine that?).
Simple to avoid: undertake due diligence when conducting any monetary transaction (selling or buying)
Slide on the ice,
Silver-I'm thinking scamming is the second oldest profession!
Silver.... Good point regarding counterfeit checker... I'll get one.
RE: Truck Camper Sales Scam
Here is someone who has made "scamming the scammers" a new art form.
Busted up cowgirl
Some interesting and some ridiculous reading
John
I have become involved in this myself through 419eater. Here are 2 of my threads on that site.
Its fun, but time consuming. The good thing is as long as you keep one of these guys on the hook, the less time they have to actually scam someone.
Link 1
Link 2Good work Beddows! Although I'm truly starting to believe you have waaaaay to much time on your hands. ;)
RE: Truck Camper Sales Scam
Here is someone who has made "scamming the scammers" a new art form.
Busted up cowgirl
Some interesting and some ridiculous reading
JohnFun reading!! Thanks for sharing.
RE: anyone tow like this?
We have a RZRS and its a fantastic side by side 4 wheel drive with long travel suspension go most anywhere fun machine and is licensed and insured here in Wyoming to drive on any highway including if wanted the freeway. They also can be driven on the highways on most of the states around us. This just came about in the last year for UTV's when some of these states realized how much revenue they were losing by demanding they be operated on off roads only with a $15 off road sticker. On future trips up north to the Yukon area and Alaska we plan on towing it inside a covered snowmobile trailer with two motorized Mokai kayaks behind a Chev duramax cc dually with Eagle Cap 950 camper. This of course does limit to where the whole combination can go, but with toys like that we have found you can camp not to far off the beaten path and still access the really remote areas. Of Course just being in some of those Northern Canadian Province's is pretty remote to start with.
JayThat's it... I'm moving to Wyoming! If you can license an RZRS there I want to live there. BTW.... Those RZRs are bad to the bone. The new sport model at 13K is a little pricey.
I pull with an enclosed trailer as well.
RE: Truck Camper Sales Scam
A fool and his money..... Anyone that falls for these types of scams will quickly part ways with any money or assets they have (or had). It's one of natures many ways of separating the strong from the weak.
Here's how I do it. I say, Do you have cash?.... they say no.... I say, GET SOME (if you want my camper)!
RE: anyone tow like this?
Are the tires on those things rated for hiway speeds?
:):)
Polaris RZR S is said to go 65 MPH.
Not sure what the rubber is rated for but its got to be at least that.
You're right though, some slicks on the rear so as to not chew-up the aggressive tread of the off-road tires is a good idea.
there is something called the "motorcycle caddy" that does something similar w/ a motorcycle (so there is some hope legally speaking).
http://www.motorcycletrailer.com/mag1/caddy1.html
Oh, I didn't realize they could go that fast. That kinda explains some of the crashes/deaths I've heard about. Needless to say, I don't have one of my own.
I've known a couple of people that towed their MC with that type of caddy though, and they eventually decided they didn't like wearing out their rear tires dragging them around. I don't think you can back up with those either. That could get old.
There is a device I've seen that is designed to carry an ATV or MC behind a truck or even behind a travel trailer or fiver, that hitches to the vehicle with a semi-rigid hitch that only allows up/down movement, and has caster type wheels on it. I saw one just a few months ago behind a fiver carrying a big Harley, so they can carry some heavy stuff. I wish I could remember the name. Have you considdered one of those?
:):)Click Here for SmartTrailer and Swivel Wheel Click Here
RE: anyone tow like this?
I believe, in most states, if the wheels are on the ground it needs to be registered for street use. Why not a trailer? Also, your cons clearly outweigh pros... no brainer.
RE: If replacing your truck would you buy a diesel again?
When we purchased our 2500HD 4x4 we went with the gas 6.0L because it was cheaper and didn't believe that the difference would validate the cost of a diesel.
WRONG!
After three years of traveling with our TC I can tell you that my thinking was all wrong. Sure on paper the math seems to add up with no savings but that isn't true.
First of all unless I am empty and with a tail wind I can't get better than 11.5mpg. Fully loaded the best mileage I have every achieved was 9.5mpg. On our last trip from the SF Bay Area to Tillamook, Oregon our average fuel for the trip was 8.25mpg.
I had bicycles passing us on the hills and in Oregon they have some long hills.
On the flats it was difficult to find a speed that I could stay in OD. Instead the trans kept dropping down a gear regularly.
Additionally, with the loads that we as TC'ers haul there is a substantial stain on every part of the truck; Brakes, driveline, axles, transmission, engine, etc. This heavy load will have a life shortening effect on every part.
If we look at only the engine, most gas engines have a reasonable life expectancy of approximately 200K miles. While it is not unusual for a diesel to reach 400K. I have friends with trucks approaching 500K and are still going strong.
I know that there are many points on this subject but I can tell you for me as long as I am carrying a TC, I will replace my gas unit with a diesel the next time around.
Regards,
PJWOW.... Interesting first hand experience! I've never hauled with anything other than a diesel. I'm always amazed at how much "OOOMPH" my Duramax has.
RE: Towing a trailer, anything special to think about?
Excellent choice wrt the brakes. Are the bikes real heavy & do you plan to haul lots of extra gear on the trailer on a regular basis? EG: Tool boxes, extra water, firewood, generator etc.
I ask because a box is sometimes a nice addition to have to help secure things & protect them from the elements.
The BMW is about 650 lbs. The other motorcycle, a Yamaha TW200 only weighs about 260 lbs.
Pretty light load overall.First I must say that your choice of trailer is a good one IMO. I have a 6 X 12 single axle that we tow virtually everywhere with our two dual sport bikes and sometimes a third dirt bike.
My next trailer is going to be a 7 X 14 tandem. I bent my stock hitch on my GMC with a 24 inch extension. I've been using a Superhitch for two years with no problems at all. If your going to be on rough or "bouncy" roads make sure you have an adequate hitch.
Also, make sure you balance your load inside the trailer. With the tandem wheels this should be less of an issue, but you don't want excess tongue weight when towing with an extension. If you don't need an extension than this is a mute point.
I can't say enough about towing an enclosed trailer. It's like having your own little garage behind with all of your tools and other toys.
BTW, I used to ride a BMW K1200LTC, but I think my street days are behind me.
RE: If replacing your truck would you buy a diesel again?
As for the Gas versus Diesel, I would go with gas over a diesel any day of the week. I've had both, and the diesel has more power, but at what cost. I travelled many, many miles around the countryside and what I found was that you can get gasoline anywhere, even at a Walmart or Dicks Sporting Goods (white gas for stoves and lanterns, still works in a gas engine) where going diesel makes fueling a question when you get out into the countryside where the only place that sells gas is the convenience store 20 to 30 miles from the next gas station. Plus gas engines are easier to convert to propane if necessary, and tend to start easier in cold weather without having to have a block heater plugged in to keep the engine warm.
I'm not saying that diesel is worse or better, jsut that each has their own benefits, and for the cost of the engine and fuel, gas is cheaper for now.I can just tell you from experience that with just a little planning and forethought that diesel supply has been a non-issue for us in 50,000 miles. I know gas is more readily available, but with a 300 +- range loaded it has not been a factor.
RE: If replacing your truck would you buy a diesel again?
My plan is to avoid the problem altogether by just keeping what I have...forever.
THAT is the best answer in this thread! I agree totally!
However, IF the Gummint, in an effort to "save" the U.S. auto companies, sent me a coupon good for, oh, let's say $45,000, valid ONLY on the purchase of a new vehicle from FMC, GM, or Chrysler, THEN I might go buy a new truck. Yes, it would be a diesel. Probably a Dodge CTD 6 speed, 1/4 ton or SRW 1 ton.
But, that won't happen, so I'll just keep what I have.Forever?.... Really?.... That's a long time!
RE: If replacing your truck would you buy a diesel again?
I would NOT replace my Duramax with another diesel.
The Duramax diesel costs an extra $6,080
The Alison transmission costs an extra $1,014
So that comes to $7,084 extra
Yet Diesel costs on average in the US $2.51
Gasoline costs on average in the US $1.70
Gov. fuel cost
That means if your truck gets 13 mpg loaded with camper as mine does.
Your paying over 19 cents for every mile.
$2.51/13=19.30 cents
If my truck had the 6 liter gas motor I would expect it to get around 9 miles per gallon and cost almost 19 cents for every mile.
$1.70/9=18.8888 cents
Recent things I've read lead me to belive that higher demand for diesel will keep the price higher for some time if not forever.
I know my Duramax has tons of power and could last a long time but $7,000 will buy at least one replacement gas motor.
Plus repairs to the diesel ARE expensive. Replaced the water pump on mine so I know this first hand.
Plus me and the wife have always disliked the smell and noise the diesel makes. Oh yea I also need gloves when fueling or my hands smell bad for a long time.
Bought my truck in the fall of 2002 so my fuel savings have likely paid for the extra cost of the engine but going forward I don't see that is still the case.
If we replaced our truck the new one would have a GAS powered motor.Nice analysis. I intend to run my GMC to the ground. I hope I can get around 15 years out of it to help offset some of the additional costs. Also, I bought my used (1 year old) so the original owner took the lion share of the hit on the Duramax and Allison.
RE: Slow Poke Campers
Not going to quote anyone. But do you guys know how stupid it is to slam on brakes in front of any vehicle, ESPECIALLY a 80,000lb trailertruck. Think about how long it takes to stop your 15000lb camper. Then think if it was nearly 6 times that weight. BTY. After they get thrugh scraping you off the pavement. It really won't matter who was right. But it wasn't you. If you survive. Tell the Trooper you brake checked the driver behind you. Because you thought it was too close. See how far, or where it gets you.
and I know some are just talking. Because. I'm pretty sure if you have ever slamed on the E-brake at 60 mph, and lived. You won't ever do it again.Tapping brakes to disengage cruise control is very different than "slamming" brakes!
Very true. And as I read your post, You were trying to avoid a bottle neck. Somehow I knew you and DJ would think it was aimed at you. Not so. However if you will read back some toward the start of this thread. You will see my meaning.
Also Wazoo. I knew it was mostly just talk. I posted more just to point out how dangerous it could be. In case someone thought it may really be a good idea. Not knowing. that if a 18 wheeler is that close. The driver can't see the brake lights any way. So not using them is a moot point. As is flashing them. I can't tell you the times while sitting in the buddy seat, with the other driver at the wheel. I looked out, and all I could see was the back seat of the car in front. Also a dumb thing to do. I ask him, why don't you go ahead and hit it, and get it over with. Trust me. I never rode that close, and won't ever. No matter what I'm driving.Thanks for clarifying! I now see what you were referring to... I should have paid more attention to those earlier posts. Your remarks makes sense.
RE: Slow Poke Campers
Not going to quote anyone. But do you guys know how stupid it is to slam on brakes in front of any vehicle, ESPECIALLY a 80,000lb trailertruck. Think about how long it takes to stop your 15000lb camper. Then think if it was nearly 6 times that weight. BTY. After they get thrugh scraping you off the pavement. It really won't matter who was right. But it wasn't you. If you survive. Tell the Trooper you brake checked the driver behind you. Because you thought it was too close. See how far, or where it gets you.
and I know some are just talking. Because. I'm pretty sure if you have ever slamed on the E-brake at 60 mph, and lived. You won't ever do it again.Tapping brakes to disengage cruise control is very different than "slamming" brakes!
RE: SRW to DRW - Welcome us to the Dark Side!!
Well, we did it. Made the jump. Picked up an immaculate 2004 F350 shortbed DRW to replace the SRW. Blue booked at 25,500. Got it for 18,500!
This week will be filled with swapping over all the gear.
Looking forward to driving it. So far, unloaded, it hugs the road like a sportscar.
Needs new tires, so I'm trying to learn about my options...
We have taken a couple of trips with the horses and the camper on the SRW. It actually drove pretty nicely, but I can't put a price on the peice of mind the DRW will give me and the wife (and I'm sure the horses!) Tell Darth Vader I said Hi! :)
