markz73
New Jersey
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Joined: 05/28/2007
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Does your normal vehicle policy cover your vehicle when it is being pulled by the RV?
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Sully2
Cincinnati
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Joined: 01/20/2003
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markz73 wrote:Does your normal vehicle policy cover your vehicle when it is being pulled by the RV?
Mine does
2000 Country Coach Allure; Cummins ISC 330 HP; 71/2 - 8 MPG regardless
2002 Jeep Liberty
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Polishnurse
Schodack, NY
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Joined: 03/13/2007
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According to my insurance company which is the same for both RV and Toad, yes.
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enblethen
Moses Lake, WA USA
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Joined: 01/05/2005
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Mine does however my old insurance did not. The MH insurance didn't cover items like hitch, tow-bar and brackets. Checking on coverage, I would have to file claim on both vehicles and pay for "optional" equipment my self.
Bud
Suzuki XL7 pushing Pace Arrow
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The Texan
Summer: A Cool Climate Winter: A Warm Climate
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Joined: 01/16/2004
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Some do, some don't. Ask your insurance agent.
Bob & Betsy - USN Ret'd '78 & FL LEO Ret'd '03 
FMCA #F203528
'05 HR Endeavor, 40PRQ w/400 Cummins - With -'05 GMC Sierra SLT, CC Z-71, the pusher
'07 Arctic Cat 500A & Wilderness Kayak, riding in the pusher -
Our Current Location
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Robert McNabb
Sunny San Diego
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Joined: 06/25/2003
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(as a recently retired insurance broker) please understand that the _only_ coverage extended to a toad from the vehicle that pulls that toad will be LIABILITY. There is no...absolutely no...Collision or Comprehensive automatically extended to the toad. The same coverage that is purchased on the toad for use when it's detached will be the same coverage that covers when it's being towed.
This isn't something that varies by territory....no insurer will provide "free" coverage that covers an owned toad. Yes, there is certain coverages that extend to a temporary substitute and/or a borrowed or rented vehicle, but that is scarcely a likely scenerio for a toad.
Yes, check and verify with your own agent or broker, but he/she will agree with my summary above.
Bob & Annie in sunny San Diego
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SemperFiCop
USA
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Joined: 10/19/2007
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yes
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Robert McNabb
Sunny San Diego
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Joined: 06/25/2003
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Robert McNabb wrote:(as a recently retired insurance broker) please understand that the _only_ coverage extended to a toad from the vehicle that pulls that toad will be LIABILITY. There is no...absolutely no...Collision or Comprehensive automatically extended to the toad. The same coverage that is purchased on the toad for use when it's detached will be the same coverage that covers when it's being towed.
This isn't something that varies by territory....no insurer will provide "free" coverage that covers an owned toad. Yes, there is certain coverages that extend to a temporary substitute and/or a borrowed or rented vehicle, but that is scarcely a likely scenerio for a toad.
Yes, check and verify with your own agent or broker, but he/she will agree with my summary above.
I've received an email that seems to require a further explanation. If you have purchased Comprehensive and Collision coverage on your toad...then you will have coverage while it's being towed. If you have not purchased this coverage, then your only coverage (extended from the towing motorhome) will be LIABILITY ONLY.
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dennis and terry
wisconsin
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Joined: 05/25/2005
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have your agent highlight the coverage using a copy of your policy. too many people have heard " don't worry, you're covered" yet found out different. if the agent balks there's a reason.....and time for a new agent or company.
dennis and terry
2000 damon intruder 349 (The Boo-mobile)
cats Hunter and Jazz
dog Abigail (newly adopted from humane society)
1995 Saturn wagon toad
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JohnnyT
Goshen New York
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Joined: 07/15/2003
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Moved from class A dorum
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