down home
south
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Joined: 06/01/2008
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Years ago we called Geico after seeing their ad on tv.
They said we choose you. You don't choose us.
I really don't like that kind of thing. I don't know what their reason or excuse was.
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Friar
Boston area
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Joined: 02/19/2012
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Quick update. Thanks for all the good comments. I called our car ins company (amica) and with a few short minutes, had new insurance issued. They are sending me an rmv1 which along with my title number, I take this to the DMV and get a registration. I have 30 days after I get the rmv1 to get it registered and then 7 days after registration to get it inspected. That will be the hard part, as I will need to take a day off work to drive to nearest Freightliner shop or RV dealer for inspection. I will probably need to drop about a grand for the inspection to get a low air alarm straightened out and a few nav lights fixed. Amica also told me not to say we are keeping it a permanent site because then most ins companies don't write policies for park models. They would recommend Foremost for that, but then I could not get it registered and never drive it on a road. So we agreed to say we will keep it as a Motorhome.thanks again for all your comments.
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peaches&cream
Northwest Georgia
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Joined: 06/18/2007
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You know it just amazes me how many members are willing to give requesters advise on how to "circumnavigate" Insurance requirements to get coverage. I have over 20 yrs. experience in the Property and Casualty Business and I cannot believe you expect a Co. to pay a claim when you "lied" about the exposure. Many say, make a Park Model out of it, how many of you have saw a Class A Park Model? The Ins. Co. prints the requirements for their coverage in the policy. Get outside those requirements and see how great their claims service will be. I have saw more claims denied because of "fraud" than any other reason. Do you want to be next? Also, if the Co. is required to pay on a claim it was not designed for, guess who's premium is raised to pay those claims.
2005 Holiday Rambler Ambassdor, 36PRT, 330 Cummings
Toad 1995 Miata
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westernrvparkowner
montana
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Joined: 11/29/2008
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peaches&cream wrote:You know it just amazes me how many members are willing to give requesters advise on how to "circumnavigate" Insurance requirements to get coverage. I have over 20 yrs. experience in the Property and Casualty Business and I cannot believe you expect a Co. to pay a claim when you "lied" about the exposure. Many say, make a Park Model out of it, how many of you have saw a Class A Park Model? The Ins. Co. prints the requirements for their coverage in the policy. Get outside those requirements and see how great their claims service will be. I have saw more claims denied because of "fraud" than any other reason. Do you want to be next? Also, if the Co. is required to pay on a claim it was not designed for, guess who's premium is raised to pay those claims. This post should be required reading for anyone who thinks that their armchair maneuvers to circumvent laws and policies will allow them to beat the system. Lose your rig to a fire or have someone get seriously injured and then find your insurance company won't pay because you thought you were smarter than their army of lawyers. All the people posting their solutions and layman legal opinions won't make up for the financial loss you will suffer.
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Friar
Boston area
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Dear peaches and cream, please go back and read my posts. I'm in this situation because I told the truth. Never lied... And I resent the implication. I informed progressive exactly what i did... Drove Motorhome to MA, parked it and enjoyed it. I even told them how I connected the sewer. They insured me knowing this. It's now time for renewal and they have changed the rules. And where in the posts does it say anything about filing a claim? I suppose after your long career in the business, you are privilaged to an opinion, but certainly not the right to make false accusations. Good day.
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bob_nestor
murphy
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Joined: 05/08/2005
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Maybe I'm missing something here, but if you had the RV semi-permanently located in KY it probably wouldn't have been an issue. But since it was located semi-permanently in another state it seems that Progressive needed to cancel the KY policy and allow you to pick one up in MA. Aren't insurance companies prohibited from selling policies across State lines? If Progressive does business in MA they could have transferred the policy, but it would have probably come at a significantly higher price and where was it being registered, MA or KY? Since the RV is technically a vehicle but was basically no longer on the road the KY insurance policy was falling into a very grey area - is it a non-movable vehicle or a stationary domicile licensed in KY but located in MA? They probably could have maintained the policy if it was clearly still a motor vehicle but as a domicile in another State they were in danger of skirting the law themselves. They might have tried explaining that to you, but the bottom line was you still needed to get a new policy in MA or put the vehicle back on the road as a licensed vehicle in KY. Most people in your position wouldn't want to hear the Insurance Co's side and would just maintain they were being screwed for no good reason. Probably easier for Progressive to drop the policy on a technicality.
Friar wrote:Dear peaches and cream, please go back and read my posts. I'm in this situation because I told the truth. Never lied... And I resent the implication. I informed progressive exactly what i did... Drove Motorhome to MA, parked it and enjoyed it. I even told them how I connected the sewer. They insured me knowing this. It's now time for renewal and they have changed the rules. And where in the posts does it say anything about filing a claim? I suppose after your long career in the business, you are privilaged to an opinion, but certainly not the right to make false accusations. Good day.
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elvisdonnelly
Lloyd, Florida
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Joined: 11/18/2011
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That is really odd behavior for an insurance company. You will have to look for new insurance but it’s very sad that they have no customer loyalty benefits. Well if you’re a senior, get a quote from AARP for motorhome insurance. It all works for the best, sometimes there is no reasonable explanation.
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royST
ann arbor
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Joined: 03/17/2011
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bgum wrote:You can't win. Take your business elsewhere!
Sad to say but I'll have to agree with bgum. It's basically anyone's guess why your insurance company suddenly decided to tell you that they cannot accept a renewal of your insurance policy with them. Use the 14 days to scout for another insurance company that you can take your business to.
Good luck!
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tahiti16
Camarillo, CA
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Joined: 06/23/2008
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Friar wrote:Dear peaches and cream, please go back and read my posts. I'm in this situation because I told the truth. Never lied... And I resent the implication. I informed progressive exactly what i did... Drove Motorhome to MA, parked it and enjoyed it. I even told them how I connected the sewer. They insured me knowing this. It's now time for renewal and they have changed the rules. And where in the posts does it say anything about filing a claim? I suppose after your long career in the business, you are privileged to an opinion, but certainly not the right to make false accusations. Good day.
I don't think peaches was talking about you friar but all the people telling how to get around the rules. Sounded like you tried to be as upfront as possible with the insurance company. One that may have got you is the licensed in KY and sitting in MA long term. I am surprised MA didn't go after you for registration, CA and many other states would have.
Insurance co. walks a fine line when vehicle is licensed and insured in one state but spends considerable time in another state. Each state has it's own licensing and insurance laws. While you travel through and visit they have to respect your home plates and insurance. When you stay extended all that changes and some states have as little as 10 days to as much as 6 months. In some states when you attached PVC pvc pipe you just became a resident and they want their license fees and taxes. 
Ray, Cheryl, Cory & of course Miss Molly the four-legged child
2006 Dolphin 36' F53 V10 5 speed auto 2 slides 7.5 KW genset
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W4RLR
Sewanee, Tennessee
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Joined: 12/10/2006
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Take it from me, Progressive canceling your policy was a blessing in disguise. I had Progressive for years until I saw first hand how they treated you when you have the audacity to file a claim. That results in a premium increase that (surprise!) equals or exceeds the cost of your claim.
Today I got a postcard from Progressive begging me to come back. That postcard went into the circular file.
And in case you are interested, I went from "Flo" to "The Gecko".
Richard L. Ray
SSgt USAF (Retired) Life Member DAV
W4RLR 146.52 mhz
2005 Ford F-250 Lariat Crew Cab
1995 Jayco Eagle 277RBSS fifth-wheel
"Never ask a man what kind of computer he drives. If it's a Mac, he'll tell you. If not, why embarrass him?" Tom Clancy
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