| Insurance time [message #83233] |
Wed, 05 May 2010 17:02  |
Luvn737s
Messages: 1106
Registered: June 2007
Karma: 2
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Senior Member |
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I carry only liability on my coach with Progressive ($120/yr) and am considering going with Geico and a comprehensive (glass, mostly) coverage for $160/yr. $40/yr versus what, about $500 perside installed for a windshield? They said they wouldn't cover it under an agreed value policy but if I had full coverage, they'd figure out what to pay me once I had a loss (yeah...). What am I, a cave man??
What coverage do most folks with average coaches carry and what is the premium?
Randy
1973 26' Painted Desert
Ahwatukee (Phoenix) AZ
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| Re: Insurance time [message #83237 is a reply to message #83233] |
Wed, 05 May 2010 17:32  |
jknezek
Messages: 1057
Registered: December 2007
Karma: 5
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Senior Member |
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As far as I know, Progressive is it for an agreed value policy these days. I wouldn't travel in anything but a junker GMC without an agreed value because that adjuster is going to screw you bad if they every have to pay out on anything else. Seems to me like you're trying to protect your windshield by giving up your agreed value for the rest of the coach. That's not a trade I'd make unless I hadn't done much to the coach and had 5K or less in it.
Thanks,
Jeremy Knezek
1976 Glenbrook
Birmingham, AL
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| Re: Insurance time [message #83250 is a reply to message #83233] |
Wed, 05 May 2010 18:27 |
armandminnie
Messages: 864
Registered: May 2009
Location: Marana, AZ
Karma: 2
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Senior Member |
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I have State Farm. Full coverage include 100% on glass costs me about $350/year. The tell me that if I can document what is in the coach they will give me replacement cost - I can. I recently had a rock hit the windshield and they put new glass in and a new gasket - that is for both sides. I don't know what might happen the next time insurance is due because of that - I am sure it was pretty pricey.
Armand Minnie
Marana, AZ
'76 Eleganza II TZE166V103202
visit my gmc blog
click here to visit gmcws.org
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| Re: Insurance time [message #83260 is a reply to message #83233] |
Wed, 05 May 2010 19:55 |
JimGunther
Messages: 228
Registered: March 2007
Location: West Haven, CT
Karma: 0
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Senior Member |
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I'm not trying to get a fight started but those prices seem pretty low. We've beaten agreed value to death in other posting but, are you guys carrying adequate liability limits?.
Doesn't take much to do a LOT of expensive property damage if you whack a couple new cars. Then there's the injured guys or gals.
PS: Combined limit ($250K) on property and liability would let you sleep at night. Easy to put an Umbrella policy on top if you want to sleep even better.
YMMV
Jim Gunther
www.LotusV6.com
now former owner - ;(
73 GMC-II 2600
by Explorer
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| Re: Insurance time [message #83282 is a reply to message #83260] |
Wed, 05 May 2010 23:37 |
armandminnie
Messages: 864
Registered: May 2009
Location: Marana, AZ
Karma: 2
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Senior Member |
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my liability is 250K/500K bodily injury and 100K property damage. 500 deductible comprehensive and collision. Apparently the deductible does not apply to glass (some kind of AZ law?) and I have since added towing just in case Good Sam doesn't pay. My last bill was $339 for a year ending in October. As I said, it may go up once they see how much that windshield cost. I have 2 other vehicles and 3 houses insured with State Farm so I am sure I get some kind of discount. Also, insured as low annual mileage which does provide a discount.
Armand Minnie
Marana, AZ
'76 Eleganza II TZE166V103202
visit my gmc blog
click here to visit gmcws.org
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| Re: Insurance time [message #83369 is a reply to message #83347] |
Thu, 06 May 2010 16:58 |
JimGunther
Messages: 228
Registered: March 2007
Location: West Haven, CT
Karma: 0
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Senior Member |
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| [/quote |
We have Progressive 29K agreed value 300K/5K comp with a $125 deductible and roadside assistance. It's $628 a year. Got an umbrella to cover over that. Roadside is way less $ than Good Sam.
HTH
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Yeah, that sounds more in line with my experience with Explorer (or was it National Interstate?) thru FMCA. We had $45K Agreed value (higher Deduct ($500 or $1,000) and liability is a bit more expensive in Connecticut.
Jim Gunther
www.LotusV6.com
now former owner - ;(
73 GMC-II 2600
by Explorer
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| Re: [GMCnet] Insurance time [message #83417 is a reply to message #83369] |
Thu, 06 May 2010 22:08 |
jimk
Messages: 6734
Registered: July 2006
Location: Belmont, CA
Karma: 9
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Senior Member |
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Here I am appraising other people's coach, I'll need to have mine done
before some mishap comes
.
On Thu, May 6, 2010 at 2:58 PM, Jim Gunther
<JgmcG@riskmanagementsearch.com> wrote:
>
>
> [/quote
>> We have Progressive 29K agreed value 300K/5K comp with a $125 deductible and roadside assistance. It's $628 a year. Got an umbrella to cover over that. Roadside is way less $ than Good Sam.
>> HTH
>
>
> Yeah, that sounds more in line with my experience with Explorer (or was it National Interstate?) thru FMCA. We had $45K Agreed value (higher Deduct ($500 or $1,000) and liability is a bit more expensive in Connecticut.
>
>
> --
> Jim Gunther
> www.LotusV6.com
>
> now former owner - ;(
>
> 73 GMC-II 2600
> by Explorer
> _______________________________________________
> GMCnet mailing list
> List Information and Subscription Options:
> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
>
--
Jim Kanomata
Applied/GMC, Fremont,CA
jimk@appliedairfilters.com
http://www.appliedgmc.com
1-800-752-7502
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Jim Kanomata
Applied/GMC
jimk@appliedairfilters.com
www.appliedgmc.com
1-800-752-7502
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| Re: [GMCnet] Insurance time [message #83438 is a reply to message #83417] |
Fri, 07 May 2010 07:27 |
Steven Ferguson
Messages: 3447
Registered: May 2006
Karma: 0
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Senior Member |
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Mine first Jim.
On Thu, May 6, 2010 at 8:08 PM, Jim Kanomata <jimkanomata@gmail.com> wrote:
> Here I am appraising other people's coach, I'll need to have mine done
> before some mishap comes
>
> .
>
> On Thu, May 6, 2010 at 2:58 PM, Jim Gunther
> <JgmcG@riskmanagementsearch.com> wrote:
>>
>>
>> [/quote
>>> We have Progressive 29K agreed value 300K/5K comp with a $125 deductible and roadside assistance. It's $628 a year. Got an umbrella to cover over that. Roadside is way less $ than Good Sam.
>>> HTH
>>
>>
>> Yeah, that sounds more in line with my experience with Explorer (or was it National Interstate?) thru FMCA. We had $45K Agreed value (higher Deduct ($500 or $1,000) and liability is a bit more expensive in Connecticut.
>>
>>
>> --
>> Jim Gunther
>> www.LotusV6.com
>>
>> now former owner - ;(
>>
>> 73 GMC-II 2600
>> by Explorer
>> _______________________________________________
>> GMCnet mailing list
>> List Information and Subscription Options:
>> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
>>
>
>
>
> --
> Jim Kanomata
> Applied/GMC, Fremont,CA
> jimk@appliedairfilters.com
> http://www.appliedgmc.com
> 1-800-752-7502
> _______________________________________________
> GMCnet mailing list
> List Information and Subscription Options:
> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
>
--
Steve Ferguson
'76 EII
Sierra Vista, AZ
Urethane bushing source
www.bdub.net/ferguson/
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