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Old 02-10-2013, 06:16 PM   #1
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Which Insurance Covers the Toad in an Accident?

I asked my insurance rep the following question, and never got a call back... So I'm going to try here... I have a full coverage policy with Allstate on my MH, and a full coverage policy with State Farm on my toad. If I get into an accident while driving my coach, and the car (in tow) is damaged, which policy covers the damage for the car?
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Old 02-10-2013, 06:37 PM   #2
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Any damage to the toad will be covered off the toad policy. On the other hand should you, as example, cut a corner too short and the toad goes up over a curb and takes out someone on the sidewalk, the liability coverage will come off your motor home policy.
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Old 02-10-2013, 06:46 PM   #3
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If for example your tow bar fails and your toad damages your motorhome, then that becomes a new ball game. I asked my insurance companies that question and got different answers. I have different carriers for each. I probably need to consolidate carriers but that is another problem worthy of another thread. At a minimum, seems like two deductibles would need to be met.
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Old 02-10-2013, 07:07 PM   #4
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I was told by my insurer that my motorhome policy woud be primary for liability and the collision coverage for the MH and toad woud cover themselves for damages.
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Old 02-10-2013, 10:41 PM   #5
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Curiosity only. Why two different carriers. I was in the insurance business for a few years and recommended that folks place all of their vehicle coverage with one company.
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Old 02-11-2013, 07:20 AM   #6
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Curiosity only. Why two different carriers. I was in the insurance business for a few years and recommended that folks place all of their vehicle coverage with one company.
Don't know in this case but many carriers will not write MH's (USAA for one)
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Old 02-11-2013, 07:31 AM   #7
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My insurance broker saved me a considerable amount of money by having my MH and toad insured by two different companies.

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Curiosity only. Why two different carriers. I was in the insurance business for a few years and recommended that folks place all of their vehicle coverage with one company.
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Old 02-11-2013, 08:29 AM   #8
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I have had USAA insurance on my vehicles for many years. They insured my previous motorhome, but discontinued covering motorhomes prior to my last motorhome purchase and handed me off to Progressive. So my motor home is insured by Progressive and toad by USAA. My gut feeling is that both should be covered by the same company, but I have received several quotes this past year and the cost of leaving USAA is prohibitive. I have a bunch of cars and a few hundred bucks each adds up pretty fast. My toad is a Mazda Miata and it is several years old. I have it fully insured, but would not be hurt much if the insurance refused to pay off as a result of accident. I have plenty of liability insurance. I am prepared to write that Mazda off.
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Old 02-11-2013, 08:57 AM   #9
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Curiosity only. Why two different carriers. I was in the insurance business for a few years and recommended that folks place all of their vehicle coverage with one company.
My house and cars are one company and the TOAD is another. The one for the house and car will not give me full replacement value on the MH. The MH one does. I have had the house and car insurance since 1984.
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Old 02-11-2013, 09:22 AM   #10
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Quote:
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If for example your tow bar fails and your toad damages your motorhome, then that becomes a new ball game. I asked my insurance companies that question and got different answers. I have different carriers for each. I probably need to consolidate carriers but that is another problem worthy of another thread. At a minimum, seems like two deductibles would need to be met.
You are on the right track. The motor home and the toad would each need their own collision damage coverage and you would be paying two deductibles. Some companies may waive the deductibles if the collision is between two vehicles, both insured by them.

In a nutshell, you can not be liable to yourself. A common scenario is one spouse backs one of the family cars down the driveway into the other family car or through the garage door. Each needs it's own coverage.
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Old 02-11-2013, 10:13 AM   #11
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Very interesting and logical reasons. I grew somewhat disenchanted with insurance company claim service. It would be interesting to see what happens when one of us with two companies insuring different parts of a combination have to work together on a claim. Worst experience I ever had, however, was when a drunk driver went off the road a totaled my parked car. We both had the same company and it was one horrible mess. Having a good agent that is on your side can help.
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Old 02-11-2013, 11:44 AM   #12
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The reason I have 2 different insurance companies is simple... cost. I have been insured with State Farm on all of my vehicles and HO insurance for about 35 years now. I get a great rate on them, but when it comes to a motorhome, my boat, snowmobiles, or Seadoos they cost about a third more annually. On the other hand, Allstate, the insurance company I use for all of my toys, can't come close to State Farm for the home or vehicles... I have very little in the way of claims over the years to either... go figure.
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