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Open Roads Forum  >  Good Sam Roadside Assistance

 > Soncio CO Ridiculous Good Sam Tire coverage decision.

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EMD360

Arvada, CO

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Posted: 02/28/22 11:59am Link  |  Print  |  Notify Moderator

Help! I cannot believe our tire coverage claim was denied! We had a flat tire when we arrived at a campground miles from home. First I tried to reinflate it with no luck. So I called the road assistance I have had for over a decade with no claims. When Good Sam separated tire coverage I added that each year. I had a wonderful rep help us get the service we needed to replace the tire. Then we got a call back from the service center who contacted the local vendor and sent a technician even though it was about 4:30 on Saturday. The technician arrived a little after 6:30 and said the tire needed the replacement tire we had ordered. He told us the valve was loose and he replaced both the tire and the valve. The rep called us back to ask how it was going and told us since we had the tire insurance we should take photos of the tread depth and the dot code. Neither the dispatcher who did the arrangement and included the tire disposal fee nor the rep seemed to have any idea that the tire had to be retained for insurance replacement. Also that is a pretty ridiculous requirement when on a trip with no room for a ruined tire.
So a Soncio claims adjuster in Colorado has denied our claim! Apparently a loose valve is not covered although what came first the valve or the flat? I don’t mind if the valve replacement is not covered. That was $9.50! I can hardly believe that they have such an unreasonable loophole! Having to keep a ruined tire on the road or get some kind of authorization from the very people I called for the issue? I replied that the decision was unacceptable. How can I be reimbursed? Whom should I call?


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EMD360

Arvada, CO

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Posted: 02/28/22 02:30pm Link  |  Print  |  Notify Moderator

Oh boy. Got off the phone with Soncio they say the only way I can prove it was a road hazard is to produce the tire. Also they said Good Sam made the final determination not to cover the tire. There was run flat damage and a valve was loose. They don’t cover either one and I can’t prove a road hazard caused either one. I can prove it was a Michelin tire verified to be in good shape by my truck service company in January. I should have kept the damaged tire. Where in a loaded RV said tire was supposed to be kept is not explained. Where I was supposed to take it is unexplained. How they can have such a loophole is unexplained. How they can prove it was anything but a road hazard that cause the flat is unexplained. What else could cause a tire to get flat? Tread was good, date was 2017. They are so sorry but it is not covered. I was very happy with Good Sam roadside. They were kind and polite and returned my call with a dispatcher almost immediately. Got a tire guy out after 5 on Saturday and he fixed it. Part of the tire replacement invoice included tire disposal. Of course we didn’t know they would expect us to keep the damaged tire. In fact we didn’t know who to call as the only info on the Good Sam card is the good Sam number. Had to call several times to figure out what to do next.
Apparently there are other reasons a tire can go flat other than road hazard although assuming one of those is responsible is rather unlikely, a tire flaw? It was a Michelin tire not a recall. Not covering a tire that ran flat without us knowing or a valve that may have gotten displaced due to that flat is kind of catch 22. Apparently there is fine print, terms and conditions that render this insurance useless if on the road and experience a flat from a leak vs a blowout. Well I can cancel I guess. I just paid for renewal never dreaming the tire problem would not be covered. I’ve had Good Sam coverage since we bought our first RV in 2009 and only had one issue on the road before.
Yes I called Marcus. They sent me to Soncio. Thanks a lot. Soncio said they emailed Good Sam and Good Sam said no to coverage. Should I take their word? My word is apparently not good enough for them. So frustrating and infuriating. I have paid several times the cost of this replacement over the years. Obviously for nothing.

MDKMDK

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Posted: 02/28/22 02:57pm Link  |  Print  |  Notify Moderator

Improper inflation, possibly by a loose valve/slow leak, could cause a flat eventually. That would be more of a routine maintenance issue, as you suggest.
Was there a nail in the tire? Machine screw? Sharp stick? Cracked or bent rim? There are lots of things that can make a tire go flat. It's still your word against theirs, without some sort of proof. Did you take pictures of the bad tire? The onus is clearly on the owner to get the required proof for GS Tires.

These tire warranties (and those fabulous 3rd party after market warranty ones) are probably best avoided, as they don't make any money if they paid out more on every claim, than the premiums bring in. Some claims will just be refused based on the fine print you mentioned.
I like Good Sam Roadside, they've done pretty good for me, but wouldn't consider the tire policy for many reasons. Case in point?
Buy your tires from America's Tire/Discount Tire and they'll take care of you. If there isn't a manufacturer's road hazard coverage sold with the tire, they'll offer you one, and prorate the cost of the replacement tire based on tread depth and wear. I think Michelins sold by them automatically get road hazard prorata coverage. Just get Good Sam to tow you to them, they're everywhere.


Mike. Comments are anecdotal or personal opinions, and worth what you paid for them.
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bgum

South Louisiana

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Posted: 02/28/22 03:17pm Link  |  Print  |  Notify Moderator

This is why I never purchase this type of policy. It's to their benefit to say no. Save your premium money and pay for a tire when necessary.

EMD360

Arvada, CO

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Posted: 02/28/22 03:22pm Link  |  Print  |  Notify Moderator

Too soon old too late smart.It seems so unlikely that the tire was anything but damaged on the road. Keeping the tire was not an option. Yes obviously they can deny based on what they didn’t know for sure. By the time the tire was off the rim it was dark and cold. Obviously not the rim, obviously not the condition of the tire. I took the photos they told me to take at the time. Later they said I should have taken a photo of the road hazard damage. If the onus is on me I thought I did my part. I had no idea the language was so specific and designed to eliminate a road hazard as the cause. The roadside assistance card has no information regarding the insurance claim process. Had to call multiple times to get the information from Good Sam. Surely cancelling this insurance as worthless.

* This post was edited 02/28/22 03:33pm by EMD360 *

ferndaleflyer

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Posted: 02/28/22 03:30pm Link  |  Print  |  Notify Moderator

My friend went through this tire mess with GS a couple of years ago. Had all the GS coverage paid for but they claimed he had not "activated" it. Cost him $700 to get on the road.

Lwiddis

Owens River area

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Posted: 02/28/22 03:46pm Link  |  Print  |  Notify Moderator

If the insurance policy says they get to see the tire, you are unfortunately stuck IMO.


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Bird Freak

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Posted: 02/28/22 05:11pm Link  |  Print  |  Notify Moderator

With no sign of damage to tire I can understand the denial. But then again I never trust any of GS service plans.


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EMD360

Arvada, CO

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Posted: 02/28/22 11:26pm Link  |  Print  |  Notify Moderator

I finally found the information on tire coverage. I was reading the wrong brochure. I needed to call a different number than road service to get prior authorization for the tire replacement. Because I could not figure out who to call I didn’t get in touch with them in a timely manner. The incident was on a Saturday night and I didn’t call until we arrived at our destination on a Thursday morning. Any further damage after a road hazard is not covered so they could still claim the tire ran flat and was not eligible for replacement. Leakage from a valve stem is not covered. Because they were closed during the incident I needed to keep the bad tire. I’m pretty convinced even if I had the tire would not have been paid for. There are too many exclusions. I suppose I made the assumption that a flat tire was a flat tire and not having a spare was a reasonable decision. We had a spare on our 2003 22’ Itasca and never needed it. I’m not sure what I will do. Platinum Complete is obviously a waste of money since there are so many loopholes in tire coverage. But even though I asked the roadside person how to file a claim I was not given the correct information. Especially that I needed prior authorization and to retain the tire. Although we were on the road and are pretty full without extra space for a bad tire. The fee for after hours service would not have been covered either. I am glad we had someone come out and replace a bad tire so we could get back on the road the next day. I was pretty angry with the insurance company but after reading the exclusions I realize even if I had kept the tire which I thought was unreasonable and even if I had the correct information regarding who to call first it would have delayed the repair resulting in delaying our trip and deadline to arrive for my son’s wedding. I suppose I should apologize to the insurance adjusters who I spoke with angrily. Many of my objections were fair about keeping a bad tire for inspection without prior knowledge or access to the policy restrictions. But I agree with the claim denial now as this insurance is not applicable to regular rv travel. I’m sure they mostly deny such claims as ours was probably not unusual. Knowing if a tire has been damaged by a road hazard in time to stop and take care of it is practically impossible. Any other course of action is not covered by the run flat policy.
There are a host of other exclusions including stuff that can’t be proven like tire inflation and rotation.

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