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Old 08-25-2015, 02:01 PM   #1
Join Date: Aug 2013
Location: New Hampshire
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Good Sam coverage

The Good Sam extended service plan says, if I understand it correctly, that GS will pay for parts that fail but not for parts that are damaged by the failing part. So let's suppose that the 8.1L GM/Workhorse engine in my Bounder drops a valve - breaks off the head of an intake or exhaust valve - and that results in the cylinder head being ruined, a hole in the piston, and maybe a bent connecting rod and even a damaged crankshaft. Is Good Sam going to buy me a valve and I pay for the rest?

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Old 08-25-2015, 02:22 PM   #2
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Probably. Find a plan that covers consequential damage. I think that's the right type!

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Old 08-25-2015, 03:11 PM   #3
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Could be, but I suspect in that case they would cover all the direct damages (they are all "covered parts" and they failed essentially together in one big ka-bang). The more likely problem case is that some minor part fails, maybe a water pump. You don't notice and shut down in time, so the engine overheats and seizes up. You get a new water pump from GS and are on your own for the engine damage. That's what they intent of that clause is. Now whether it always gets interpreted that way is another story. That's why consequential damage coverage is so valuable - it removes most of that "interpretation" vagueness.
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Old 08-26-2015, 09:36 AM   #4
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The GS is a waste of money. It's very limited. There are many better plans. Be sure to get "consequential damage" coverage. I had a fan bracket on the ISB break. That took out the fan clutch, the fan blade, the belt and a few other things. My Cornerstone policy paid for them all. I don't think Good Sam would have paid any of it.
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Old 08-26-2015, 09:51 AM   #5
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I just looked at my Good Sam policy I bought when the coach was new. Mine has Consequential Loss Coverage included as an option. In another thread, I saw a poster that said to make sure you have O rings and gaskets/seals coverage....but I see nowhere in my policy that excludes those items!
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Old 08-26-2015, 10:13 AM   #6
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You better call Good Sam and if you don't have seals and gaskets you should get that coverage. Most of the moving parts in your RV have seals and gaskets.
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Old 08-26-2015, 11:33 AM   #7
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I have good sam. They have paid with no problem for everything that is covered. In my policy that is everything that was on the coach that was installed by the manufacturer. I had to pay for a wiring problem because the dealer installed a receptacle for the chassis battery charger. Same way with my Power Monitor those were installed after the unit left the factory. Everything else they have paid for with no problems. Including the remote controlled search lite that Tiffin put on its coaches.
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Old 08-26-2015, 01:04 PM   #8
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A rep from Good Sam called me today to explain the ESP policy. He says that there are "covered parts" and "non-covered" parts (as described in the policy). If a covered part fails it is paid for by the insurance. If the covered part damages other covered parts - as in my hypothetical example - all of the covered parts are paid for by the insurance. If a covered part damages a non-covered part, the non-covered part is not paid for, and if a non-covered part damages a covered part that is also not paid for (ex: a fan belt breaks and wraps itself around the alternator and damages the alternator). Sounds reasonable. He highly recommends the gasket and seal option which I already have.

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