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07-25-2021, 09:06 PM
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#1
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Senior Member
Winnebago Owners Club
Join Date: Mar 2019
Location: PAC NW WA
Posts: 157
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Anyone ever been towed & covered on their ins policy?
Just wondering we have emergency road side coverage thru our State Farm policy. If states they will pay to have the MH towed to the closest repair facility. Were headed to S Dakota next month (it could be a long tow!) I know there's Good Sam's, a bunch of others, just wondered if our auto MH policy is good enough? I know they cover rental cars, & other expenses but they have to be notified in advance. I would assume it would be up to me to locate a qualified towing co probably pay up front then turn in the receipts for reimbursement?? Thanks for any advise!
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2000 Adventurer 35B, 2019 Arctic Fox 865 & 99 Dodge 4x4, 2015 Jeep Rubicon, & 013 HD Road Glide (part time toad) Zamp solar on both RV's & love it!
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07-25-2021, 09:12 PM
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#2
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Member
Join Date: Apr 2021
Posts: 73
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The horror stories I've read have prompted me to get three towing policies. My Progressive Insurance roadside assistance, Good Sam, and FMCA.
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2007 Winnebago Voyage 35L
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07-25-2021, 10:26 PM
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#3
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Senior Member
Join Date: Dec 2014
Posts: 582
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The air dryer in our motorhome failed in Beatty, NV, and we had it towed to Las Vegas for repairs. Our automobile policy (not RV policy) paid for the tow.
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Matt B
1998 Foretravel U-320
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07-25-2021, 10:56 PM
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#4
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Senior Member
Newmar Owners Club Freightliner Owners Club
Join Date: May 2012
Location: Today? Clayton, North Carolina
Posts: 5,093
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We’ve been with CoachNet for near 10 years now, and have been very pleased. When you need Roadside Assistance things have gone badly for you, and you need help badly. This is not the time to cheap out.
We’ve called CN 6-7 times over the years and they have been unfailingly prompt and professional. Three tows that cost me $0, and 3 or 4 service calls where CN paid the service call fee (usually ~$100) and I paid the time & materials on the small local repairs.
CoachNet is a bit pricey, but IMO worth the price. Your goal is thorough, reliable coverage. You should pick a plan liberally sprinkled with the words “platinum” and “of your choice”. Avoid plans that limit you, that stipulate the “closest repair” or a maximum number of miles. This means THEY make the choice, not YOU.
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John and Diane (RIP Lincoln, 21 FEB 22) RVM103 NHSO
Fulltimers since June, 2012
2002 Dutch Star 40, Freightliner, Cat 3126, 2004 Element
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07-26-2021, 03:23 AM
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#5
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Member
Join Date: Oct 2017
Posts: 46
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Progressive took care of me when my coach needed to be towed.
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07-26-2021, 05:36 AM
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#6
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Senior Member
Tiffin Owners Club
Join Date: Apr 2018
Location: McHenry, Illinois
Posts: 392
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I use State Farm, and yes they pay for the tow. In fact, they pay for the tow to a facility that is certified to work on your rig. Been there, done that.
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2015 Tiffin Phaeton 40QKH All Electric
2015 Dodge Ram Laramie 4x4
Mark and Lori
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07-26-2021, 08:03 AM
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#7
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Senior Member
Join Date: Feb 2020
Posts: 188
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Call your insurance company and ask.
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07-26-2021, 08:26 AM
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#8
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Senior Member
Join Date: Sep 2020
Posts: 1,454
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Did your rates go up after the tow...?
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07-26-2021, 08:39 AM
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#9
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Senior Member
Join Date: Mar 2019
Location: Lansing MI
Posts: 2,821
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Quote:
Originally Posted by LanceKeys
Call your insurance company and ask.
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What he said, better yet, read the policy and ask any questions in an email so you have something in writing.
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An Old Fisherman
2017 Nexus Ghost 36DS, 2014 Ford F150 Long Bed
2007 Harley-Davidson Ultra Classic
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07-26-2021, 02:18 PM
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#10
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Senior Member
Join Date: Mar 2019
Posts: 5,651
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Quote:
What he said, better yet, read the policy and ask any questions in an email so you have something in writing.
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Especially ask for the definition of "qualified repair facility". Some people have been towed to Joe's Auto Repair and Subway Shop. Also ask about towing capabilities as your RV gets larger. Many a person has reported that their automotive policy could not find a towing service qualified to properly tow their large motorhome.
That should be one advantage of using the "big boys". They will have better contacts among the towing companies, especially in out of-the-way places.
All of them do a quick shop around and try to find someone who will tow for what they are willing to pay under your policy. They're all really just dispatch services.
Ray
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2020 Forest River Georgetown GT5 34H5
2020 Equinox Premier AWD 2.0L/9-speed
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07-26-2021, 03:36 PM
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#11
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,563
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The wrinkle typically ends up being where the "nearest qualified facility" is. Or maybe I should say what it is, because they may try to foist you off on the nearby "Fred's Grocery & Truck Stop" when what you need is a full service diesel engine shop.
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Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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07-26-2021, 08:34 PM
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#12
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Senior Member
Join Date: Sep 2007
Location: Grasonville, MD -- Golden, CO
Posts: 6,222
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Quote:
Originally Posted by lincolnmath
Just wondering we have emergency road side coverage thru our State Farm policy. If states they will pay to have the MH towed to the closest repair facility. Were headed to S Dakota next month (it could be a long tow!) I know there's Good Sam's, a bunch of others, just wondered if our auto MH policy is good enough? I know they cover rental cars, & other expenses but they have to be notified in advance. I would assume it would be up to me to locate a qualified towing co probably pay up front then turn in the receipts for reimbursement?? Thanks for any advise!
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YUP - we had a tow rider added to the Policy - Blew the Allison - and were Towed - $1,200 + - to the Allison Shop - got home turned in the Reciept - Wife got the Check in a couple of weeks.
Not an issue -
JMHExperience,
__________________
Busskipper
Location - Grasonville, Maryland - and/or - Superior, Colorado
2005 Travel Supreme 42DS04 - GX470 Toad
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07-28-2021, 02:22 PM
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#13
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Member
Join Date: Mar 2019
Posts: 54
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I'm also in the marker for RV roadside assistance. I have a class A DP and am often towing a 28' enclose trailer, does any one have any experience both good and bad get a Class A towed with a trailer??
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07-28-2021, 07:52 PM
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#14
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Senior Member
Join Date: Jun 2012
Location: The Bluegrass State
Posts: 8,886
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We had a Allison Transmission problem that stopped us dead in our tracks. State Farm was excellent in providing us a suitable tow, and when I explained what Allison technician indicated the problem was, they authorized a 52 mile tow to a regional Allison dealer/service center. $0 cost to me.
No insurance rates did not go up.
BTW, my roadside service with State Farm cost me less than $10 per year!
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Good Luck, Be Safe and Above All, Don't Forget To Have Fun
Pete
Central Kentucky
2006 Fleetwood Discovery 35H, 2014 Honda CR-V, M&G Engineering Braking System
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