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dedmiston

The West

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Joined: 01/26/2004

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Good Sam RV Club Member


Posted: 01/14/22 10:24pm Link  |  Quote  |  Print  |  Notify Moderator

You really should read your policy. It’s easier than you think. Your carrier can’t violate their policy. Plus it’s a “contract of adhesion” where the tie goes to the insured (the policy holder).

Your agent can’t speak for the carrier though. They can’t extend coverage beyond the policy language.

Trust me. I’ve spent a lot of time doing this. The agent is just a sales guy. The only exception is that the agents occasionally pay out claims out of their own budgets to keep their best customers happy. That doesn’t happen so much anymore though.

The policy is the policy. And the whole business model is built on insuring negligence and stupidity. They can cancel your policy or raise your rates, but they have to pay the claims covered under the policy. It’s very straightforward.


2014 RAM 3500 Diesel 4x4 Dually long bed. AISIN trans & 4.10 rear. B&W RVK3600 hitch • 2015 Crossroads Elevation Homestead Toy Hauler ("The Taj Mahauler") • Hooligan #3

Toys:
  • 18 Can Am Maverick x3
  • 05 Yamaha WR450
  • 07 Honda CRF250X
  • 05 Honda CRF230
  • 06 Honda CRF230



Veebyes

Bermuda & Maryland Eastern Shore

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Joined: 11/24/2003

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Posted: 01/15/22 05:29pm Link  |  Quote  |  Print  |  Notify Moderator

I actually live about 100yds from the ocean. At most all I have to do is open a window to hear it.

There is no way that I will be taking my 5er or TV onto a beach. A spot overlooking a beach in an area that has offshore breezes is fine. A place where the waves are crashing onshore & the wind is blowing a fine salty mist inland, no way to be found there.


Boat: 32' 1996 Albin 32+2, single Cummins 315hp
40+ night per year overnighter

2007 Alpenlite 34RLR
2006 Chevy 3500 LT, CC,LB 6.6L Diesel

Ham Radio: VP9KL, IRLP node 7995

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