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Old 01-23-2015, 06:13 PM   #1
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Another reason to own an older RV

Insurance 148.00 per year for liability,
I did not get comprehensive.
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Old 01-23-2015, 08:47 PM   #2
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Our insurance in Canada does not work that way. I cannot license my coach without buying the insurance. The insurance covers everything, although I have a choice on the limits. My deductible can be as low as $100.00, and as high as $1000.00. My liability can be as low as $500,000, and as high as $5,000,000.00.

I have $100.00 deductible, and $5,000,000.00 liability coverage. The policy costs me about $1200.00 per year.

Question. You and I have an great big accident together which causes tremendous damage to my coach. For conversation, let's assume that the accident is deemed as your fault. Does the insurance you have chosen to have pay me for the damage to my vehicle damage, or am I out of luck?

Jim
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Old 01-23-2015, 08:56 PM   #3
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same here

Insurance 206.00 per year for liability,

and SSI well not run you down for owning some thing to new
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Old 01-23-2015, 09:37 PM   #4
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$849.00 a year full coverage. They could never replace her...
If I'm not mistaken under those terms his ins would pick up your tab. I just had Liability ins when I was a kid cause it was so cheap and my car was only worth 50 bucks.
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Old 01-23-2015, 10:06 PM   #5
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Quote:
Originally Posted by Papa_Jim View Post
Question. You and I have an great big accident together which causes tremendous damage to my coach. For conversation, let's assume that the accident is deemed as your fault. Does the insurance you have chosen to have pay me for the damage to my vehicle damage, or am I out of luck?

Jim
You get paid, I get nada,
My thought is that if my vehicle is worth less than a certain amount, I am not going to get full coverage, I just want coverage in case I do damage to someone else's stuff.
After a few years of paying full coverage, I will pay more in premiums than my vehicle is worth anyway.
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Old 01-24-2015, 03:26 AM   #6
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Quote:
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You get paid, I get nada,
My thought is that if my vehicle is worth less than a certain amount, I am not going to get full coverage, I just want coverage in case I do damage to someone else's stuff.
After a few years of paying full coverage, I will pay more in premiums than my vehicle is worth anyway.
Thanks. I understand. It does seem ridiculous to pay for coverage that you'll never get to use.

Jim
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Old 01-24-2015, 06:41 AM   #7
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99 MH $158 a year, 2014 Toad $496 a year for liability.
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Old 01-24-2015, 09:23 AM   #8
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Oddly enough, when I transferred my insurance from a 1995 Monterey gasser to a 1996 Safari Sahara, I got $83 back.
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Old 01-24-2015, 10:53 PM   #9
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Quote:
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Oddly enough, when I transferred my insurance from a 1995 Monterey gasser to a 1996 Safari Sahara, I got $83 back.
That's cool!!
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Old 01-25-2015, 09:19 AM   #10
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92 bounder liability only. $125/year
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Old 01-25-2015, 09:50 AM   #11
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Quote:
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$849.00 a year full coverage. They could never replace her...
If I'm not mistaken under those terms his ins would pick up your tab. I just had Liability ins when I was a kid cause it was so cheap and my car was only worth 50 bucks.
JMO,
Tim
Hi Tim, one thing to look into here is , what is the insurance company going to pay.....? Rough value on NADA is 10k........and the damage to your Coach from a accident is estimated to be 13k, are they just going to "Total" it and pay the NADA value like most do? Most insurance company's will nor make repair's beyond the value of the item.........so with this in mind......is it a good investment/protection to spend $850.00/year on full coverage? Anyone with a older vehicle, of any type(other than if you pay for special antique /classic insurance) has to know/understand the "Value" of the item.......then insure accordingly. A visit to one's agent with a list of question's would give one a better idea of what is going to take place when the insurance is needed, so as not to be surprised I did just this, and after explained , I made adjustments. Just cause something is insured for a certain amount, does not mean this is what is going to get paid out......
I am not going to get into "replacement" insurance and the costs if they will even do so for something that is old , one would have to ask, everyone's insurance rule's are different.
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Old 01-25-2015, 09:56 AM   #12
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I just got my renewal notice on Friday.
My basic coverage includes $200,000 third party liability, $150,000. accident benefits, hit and run protection for me and passengers, and Underinsured motorist protection of $1,000,000 .................................................. ..........................................$349.00
extended third party liability to $2,000,000 .......................................... $ 68.00
collision deductible $1,000............................................ .......................... $ 63.00
Comprehensive $200.00 deductible .................................................. .... $ 76.00

Vehicle License Fee is a further .................................................. ............$125.00

The government insurance company is also our licensing body so my
total bill is .................................................. ............................................ $681.00

This fee is also supposedly $517.00 less expensive because of my good driving record.
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Old 01-25-2015, 11:05 AM   #13
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Not really a bad price considering the levels you are insuring at.



Quote:
Originally Posted by Possum View Post
I just got my renewal notice on Friday.
My basic coverage includes $200,000 third party liability, $150,000. accident benefits, hit and run protection for me and passengers, and Underinsured motorist protection of $1,000,000 .................................................. ..........................................$349.00
extended third party liability to $2,000,000 .......................................... $ 68.00
collision deductible $1,000............................................ .......................... $ 63.00
Comprehensive $200.00 deductible .................................................. .... $ 76.00

Vehicle License Fee is a further .................................................. ............$125.00

The government insurance company is also our licensing body so my
total bill is .................................................. ............................................ $681.00

This fee is also supposedly $517.00 less expensive because of my good driving record.
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Old 01-25-2015, 11:25 AM   #14
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Ours is new, have all our stuff insured thru State Farm so we get some pretty good discounts, plus we have an additional umbrella policy. We have a high liability coverage like the previous poster, and a Coach replacement coverage for the first 5 years if totaled, so it is insured at the msrp, not what we paid for it. Our bill this year was $870, so I can't complain and the cost of insurance wouldn't make the decision for me re new vs used.
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