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Old 09-15-2016, 06:45 AM   #1
Join Date: May 2015
Location: Saco, Maine
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Adequate Emergency Roadside Coverage

I am currently insured through GEICO for my 2006 National Dolphin, which includes roadside coverage. For those of you that also have coverage through GEICO (and more experience than me), is their roadside coverage adequate enough or should I add an Emergency Roadside package from good Sam or Coach Net? Thank you for your input and advice.

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Old 09-15-2016, 07:36 AM   #2
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I have a different insurance company, but maybe my experience will aid you. Newbie rver's, one day our rv would not start. Just dead. I called insurance co for their "roadside assistance". They asked location and said they could arrange a tow, nothing else... No actual roadside help if I needed a jumpstart or some small repair. I said I'd call back ifI had to be towed. I went to one of the rv forums, asked for suggestions from kind stranger on the web, followed thier suggestions, found loose connection, and got on the road.

That experience made realize I'd value talking to a knowledgable person. I bought Coachnet coverage, so I can speak to a tech who can assess my needs and customize the help to fit those needs.

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Old 09-15-2016, 08:42 AM   #3
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DLDUCK - You're smart to ask this question. We are going to supplement with either Coach Net or Good Sam, or both. Recently we've had two bad experiences with Geico's "Roadside service". Their folks do not understand RVs in general, and especially not motorhomes. Luckily we were not on the side of the road needing a tow; we limped a short distance home with no brakes and called for a tow to have them repaired. (1) It was a battle to get them to understand that we needed a tow service that could handle a motorcoach. Even though we explained this to them from the beginning, they sent regular tow truck the first time. We won't go into the issues with why it took two days for the first tow company to show up and nearly a week for the 2nd. (2) Once we got Geico to listen to our requirements they had trouble locating an appropriate service within 60 miles. No biggie, but the reason was that Geico negotiates pricing and none of the reliable services will deal with them. We personally called several and they told us this. The one Geico sent has the worst reputation in our region. (3) Geico wants to pick the place to where you will be towed. Again, we had called several local places beforehand and found the closest that would actually be able to do the brake repairs. Geico wanted us to go to an "RV" place. It was a local KOA that had a shop, but they did not do chassis/mechanical work, only house/body work. (4) When we asked if we could have the coach towed what would be the reimbursement, they said so much a mile up to the mileage to that KOA place. The place we found was actually only 3 miles more. So Geico said we would have to pay the difference. We went through two levels of supervisors before one of them actually understood our position on their motorcoach towing policy. They granted a one-time waiver of the additional 6 miles.

Our second experience just four weeks later was trying to get a blown out tire on inside rear dual changed; we had a spare. They told us their service providers did not do inside dual tires, to have it fixed and send them the bill and they would reimburse up to what it would cost to have the local roadside tire service of their choice to do it. Their choices obviously only did cars and pickups, not motorhomes and bigger trucks. We didn't get into it with them on this one because we were again only a short distance from home base. We changed the tire ourselves.

We have had Geico for several years and added the motorcoach coverage; it it relatively cheap compared to what we read on this forum, but we are going the add GS or CN roadside coverage to take care of these situations. The cost for one, or even both of those coverages would make up for the cost of at least one tire change a year. This would then give us good coverage for the house and contents, AND roadside coverage. At least that's our thinking. Good luck.
Butch and Peggy
N.Central TX; 2000 Itasca Suncruiser 32V; Workhorse P-32 Chassis; 7.4L Vortec V-8 w/Banks Pwr Sys; Steer Safe; Springs/Airbags front; Timbren Suspension kit rear; Onan 5K
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Old 09-15-2016, 09:27 AM   #4
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Dlduck...... Various insurance companies offer free RA simply as an inducement. Then they construct and negotiate with providers for the cheapest possible plan. Generally, such arrangements are worth exactly what you pay for them.

Call CoachNet, and don't cheap out. Buy their top plan; I think it's called Premier, or Platinum, or some such thing. (You may not need the part about international medical evacuation.)
When you buy their top plan it costs you about $20 or $30 more per year, but there is no quibbling, no argument. The description is liberally sprinkled with the word "unlimited". You won't run into all this petty, cheap-a$$ crap like "We'll pay your FULL tow (up to $300)", or "We'll be sure to tow you to a place that will repair you. (Closest available)."

We've called CoachNet three times in four years. One brief repair cost me $75, but that's understood. The RA pays the Service Call fee (usually about $100), but you pay any parts & labor required. The other two were tows, each about 40 miles to a shop of my choice. Each was invoiced at over $500, and each was paid in full and direct billed to CoachNet. My only cost was tipping the driver.

Call CoachNet. Recommended unequivocally.

John & Diane, fulltiming since '12 02 DS40, FL, Cat, '04 Element NHSO RVM103
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On the road since June '12 with Lincoln, the guard cat.
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Old 09-15-2016, 10:15 AM   #5
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Originally Posted by dlduck View Post
I am currently insured through GEICO for my 2006 National Dolphin, which includes roadside coverage. For those of you that also have coverage through GEICO (and more experience than me), is their roadside coverage adequate enough or should I add an Emergency Roadside package from good Sam or Coach Net? Thank you for your input and advice.
I have had Coachnet ERS for 15 years.

They have paid for 6 tows... three for my coach, two for my toad and once for my sons car, (which broke down while I was using it).
Coachnet has paid out $1125, (a little more than half of what I've paid in).

While I have not used/needed any of the other included services they provide the piece of mind alone is worth the $149 a year.

'96 Safari, 148k miles, (120k mine)
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Old 09-15-2016, 11:02 AM   #6
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Coach Net here. I have also had Good Sam in the past. Good experiences with both.
Vince and Susan
2011 Tiffin Phaeton 40QTH (Cummins ISC/Freightliner)
Flat towing a modified 2005 Jeep (Rubicon Wrangler)
Previously a 2002 Fleetwood Pace Arrow 37A and a 1995 Safari Trek 2830.
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Old 09-16-2016, 06:14 AM   #7
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Being a newbie in April when I bought our used MH I shopped a bit and ended up with Allstate Motor Club mostly bc it was all inclusive in that it covered all my wheeled vehicles. I had AAA for years but they left me stranded once for two hours at 24 degrees. Screw me once and only once. Anyway with a touring motorcycle and the MH, I thought AMC was a good fit. Tell me does anyone have any experience with them? I can upgrade in a few months if necessary. I do well with poor performance.
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Old 09-16-2016, 06:37 AM   #8
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I'm pretty happy with Coach-net. I used them twice last October within 2 days of each other. 1st time they couldn't get me towed, so they paid for part of the repair completed in the parking lot of a truck stop.

2nd time (the next day) they paid $1200 for a tow.

Just renewed with them.
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Old 09-16-2016, 08:04 AM   #9
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The premium service from CN covers all your vehicles, not just the MH.

2011 Monaco Knight 36', MaxForce 10, 350HP, 1150 lbs. Torque.
2008 Saturn Vue Toad, SMI Duo Brake, Roadmaster Sterling Tow Bar
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