Yahooligan
Temecula, CA
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Joined: 11/05/2007
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Wow, well if the company is doing so badly that they can't afford to pay out a single policy then that doesn't sound too good.
Their website clearly states they do offer full-time and total-loss coverage for RVs, so I would think they should do as someone else posted; Pay out less the difference in premium.
Interestingly, they don't have their own offices but appear to sell their policies through brokers (They even have one in my city, how about that).
I've never heard of this company, but that's not saying much. Once we have our RV I will be insuring it through State Farm, which is who holds our homeowners, auto, umbrella, and boat policies. There's something to be said for using a well-established and well-known company.
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Hogan & Clan
2005 Nissan Titan CC SE 4x4
2010 Keystone Hideout 31BHSWE
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Aridon
SE Florida
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Joined: 06/06/2007
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Generally claims can be denied for mis representation only if the company would not write the actual risk presented if they had known at the start. Its called material misrepresentation for a reason.
Now the question is this:
1. What state was the policy written in?
2. What state did the accident occur in?
3. Does the company write the full timer coverage in both states?
Because it COULD be material misrepresentation if you told them you only used the RV for 60 days or less a year in Florida but ended up living in Colorodo, California or any other place other than the state the policy was issued in. Especially if the coverage is not available in one or more states.
Full time policies often will not have these restrictions. Some do, though which is why YOU have to be careful.
The same thing can happen with healh insurance.
2008 Newmar 4330 (Modified)
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kakampers
Fulltimer
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Joined: 04/02/2004
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Goldencrazy wrote:Yes, get a lawyer. They have obviously not been in it long enough to have understated mileage which is the general standard. This may be the only home they have at this time but they are not necessarily full-timing even if it is their decision to do so. Question for those of you with experience. Is the extra expense for full-timing based on the declaration of full-timing or the amount of travel mileage estimated?
This case sounds very weird in that these people have just sold their house in August and two months later had an accident and now no payment based on the full-timing issue. It should take a lot longer to establish full-timing than two months. Get a lawyer and stop giving information to the insurance folks.
First, there is no mileage disclosure on fulltime insurance, at least not on any policy we've had in the past four years. It based on insuring your RV like you did your home, including liability insurance.
Second, it took us less than fifteen minutes to establish residency in the South Dakota, and drive away as fulltimers. Once the house is gone and you're living in the RV...you ARE a fulltimer.
As for giving information to the insurance folks...when you deal with an insurance company that specializes in fulltime insurance, such as National Interstate, there is no reason NOT to be open with your information...doing so can get you into the situation the OP is in. Not that I'm saying they did it deliberately, but apparently that's what the insurance company now thinks...
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shooker99
Hwy 30 west (Iowa)
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Joined: 03/24/2009
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Call the company, let them know they can deal with you, pay the claim, or have a lawyer to deal with,
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ngreen
Neosho, MO
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Joined: 06/15/2002
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It took us two months to get a $1600 claim paid from National
Good Luck
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Golden_HVAC
Fulltime, CA, USA
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Joined: 08/19/2003
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Hi,
You should check into Foremost insurance. They do not mind insuring full time RV people.
In the meantime, get a lawyer, that is what the insurance company is doing.
Good Luck,
Fred.
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JAXFL
Jacksonville, Florida, USA
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Joined: 06/12/2002
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I had to fight Allstate once over a burned boat. Get a Lawyer and plan on a long fight. It took me 7 years to finally win out of court for only $5000. Good luck.
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Sooner Schooner
On a Roll
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Joined: 05/07/2007
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Contact the state's Insurance Commissioner Office, I know people who received great help from them.
2006 32' Keystone Everest
2001 Ford F-250 Super Duty 7.3 Power Stroke Diesel
1971 Camaro in storage
Keep A Light On, We're On Our Way
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AntiqFreq
USA
Senior Member
Joined: 03/20/2003
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I have National Interstate, so I'll keep this monitored for my own info!
Good luck with your claim and keep everyone here posted.
We just sold our house end of Oct & we are currently living in a county
campground & still working full time.
But we are moving to our property in Georgia in January & we'll start looking for new jobs them.
But should we decide to travel a month or two BEFORE looking for jobs, does
that mean I am fulltiming? I mean, I am allowed to take a vacation aren't I?
How do they know you were fulltiming? Your trailer doesn't have a meter on it
showing how many miles you're gone.....Maybe you were just on vacation.
I doubt my policy 'requires' me to own a home and I own other property in Georgia that has electric on it and I pay the bill monthly!
If they are being that way with you - as others have said - get a lawyer.......
J.P.
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imniowa
Iowa
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Joined: 07/29/2005
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According to their website it's based on much time you spend in the RV:
"Full-Timers’ Coverage
If you use your RV as a primary residence for more than five months out of the year, you need our Full-Timers’ coverage. Protection for your special needs includes: "
And to kakampers, they answered YES to this question.
The Hahnz
Me  DW  Daughter  Son 
2004 Cardinal 32BH
2005 Chev Silverado Crew Cab LT 3/4 ton Duramax
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