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Progressive insurance? [message #322838] Mon, 28 August 2017 12:52 Go to next message
thesmith is currently offline  thesmith   United States
Messages: 589
Registered: February 2015
Location: Cary, NC
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Senior Member
Found my GMC, now looking for insurance......
So far Progressive looks best with the included recovery plan but do any members have good/bad experiences with them?

Or any better suggestions? This is for in north Carolina.
Won't be doing to much travel at first but want to cover the bases.

Pete


Cary, NC 1978 Center Kitchen Royale.

[Updated on: Mon, 28 August 2017 13:02]

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Re: [GMCnet] Progressive insurance? [message #322843 is a reply to message #322838] Mon, 28 August 2017 13:19 Go to previous messageGo to next message
Luke Walling is currently offline  Luke Walling   United States
Messages: 27
Registered: July 2017
Karma: 0
Junior Member
Hi Pete, I'm in NC too. What'd you find? I'm still looking..




On Mon, Aug 28, 2017 at 2:03 PM -0400, "Pete Smith" wrote:


Found my GMC, now looking for insurance......
So far Progressive looks best with the included recovery plan but do any members have good/bad experiences with them?

Pete
--
Cary, NC

No Coach yet but likely center kitchen, dry side bath Royale, 78, 403, hopefully with good original white Imron paint.

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Re: Progressive insurance? [message #322846 is a reply to message #322838] Mon, 28 August 2017 14:16 Go to previous messageGo to next message
Brian K is currently offline  Brian K   United States
Messages: 75
Registered: May 2017
Location: Sherman Oaks, CA
Karma: 0
Member
Pete,

I have Progressive. It had the best deal when I bought the coach. I haven't had to make a claim on the coach but I later bundled my auto too. Thanks to my teen driver I've had to deal with a couple incidents and their claims department has been very good to deal with.


Brian K 1977 Eleganza II, TZE167V100261 Sherman Oaks, CA Rebuilt 455, New brake system, a lot of Original Equipment ready to fall apart (discovering more as I go along....)
Re: [GMCnet] Progressive insurance? [message #322850 is a reply to message #322846] Mon, 28 August 2017 14:58 Go to previous messageGo to next message
johnd01 is currently offline  johnd01   United States
Messages: 354
Registered: July 2017
Location: Sacrameot
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Senior Member
Are you talking about an agreed value policy?

On Mon, Aug 28, 2017 at 12:16 PM, Brian Krikorian wrote:

> Pete,
>
> I have Progressive. It had the best deal when I bought the coach. I
> haven't had to make a claim on the coach but I later bundled my auto too.
> Thanks
> to my teen driver I've had to deal with a couple incidents and their
> claims department has been very good to deal with.
> --
> Brian K
> 1977 Eleganza II, TZE167V100261
> Bellevue, WA
> Rebuilt 455, New brake system, a lot of Original Equipment ready to fall
> apart (discovering more as I go along....)
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>



--

*John Phillips*
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Johnd01 John Phillips Avion A2600 TZE064V101164 Rancho Cordova, CA (Sacramento)
Re: Progressive insurance? [message #322851 is a reply to message #322838] Mon, 28 August 2017 15:04 Go to previous messageGo to next message
DetroitDan is currently offline  DetroitDan   United States
Messages: 51
Registered: March 2017
Location: Taylor, MI
Karma: 0
Member
Progressive offered the best value for me in Michigan.

Excluding our 20-year old as a driver cut the insurance cost in half. From $1200 to $600 with the coach valued at $13,000.

For Michigan, this is very inexpensive. We have the highest rates in the country - the average for full coverage of a new car is about $2300.




Dan Wallace
Detroit Metro
1974 Canyon Lands 260
Headers, 3.55, 16"
Floor plan 26-9
Honda 6010
Harrison 4-bag

[Updated on: Mon, 28 August 2017 15:17]

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Re: [GMCnet] Progressive insurance? [message #322852 is a reply to message #322850] Mon, 28 August 2017 15:04 Go to previous messageGo to next message
thesmith is currently offline  thesmith   United States
Messages: 589
Registered: February 2015
Location: Cary, NC
Karma: 6
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johnd01 wrote on Mon, 28 August 2017 15:58
Are you talking about an agreed value policy?


Not an option progressive are offering me at least on the online application. I believe I'd need an appraisal done to get that in any case.


Pete



On Mon, Aug 28, 2017 at 12:16 PM, Brian Krikorian wrote:

> Pete,
>
> I have Progressive. It had the best deal when I bought the coach. I
> haven't had to make a claim on the coach but I later bundled my auto too.
> Thanks
> to my teen driver I've had to deal with a couple incidents and their
> claims department has been very good to deal with.
> --
> Brian K
> 1977 Eleganza II, TZE167V100261
> Bellevue, WA
> Rebuilt 455, New brake system, a lot of Original Equipment ready to fall
> apart (discovering more as I go along....)
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>



--

*John Phillips*
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Cary, NC 1978 Center Kitchen Royale.
Re: [GMCnet] Progressive insurance? [message #322853 is a reply to message #322852] Mon, 28 August 2017 15:08 Go to previous messageGo to next message
DetroitDan is currently offline  DetroitDan   United States
Messages: 51
Registered: March 2017
Location: Taylor, MI
Karma: 0
Member
I could not do it online.

And, until I called it a "1974 GMC model 260" they could not find it. The first time I called they said they couldn't insure it.

The second time I just asked to transfer the policy from the Winnebago to the new GMC 260.

I told them the value of $13,000. They told me just to call back as I put more money into it, and they would raise the insurance coverage.

Just be prepared, you will have to justify the value of any loss. So, I would not intentionally over insure mine.






Dan Wallace
Detroit Metro
1974 Canyon Lands 260
Headers, 3.55, 16"
Floor plan 26-9
Honda 6010
Harrison 4-bag

Re: [GMCnet] Progressive insurance? [message #322854 is a reply to message #322843] Mon, 28 August 2017 15:08 Go to previous messageGo to next message
thesmith is currently offline  thesmith   United States
Messages: 589
Registered: February 2015
Location: Cary, NC
Karma: 6
Senior Member
Luke Walling wrote on Mon, 28 August 2017 14:19
Hi Pete, I'm in NC too. What'd you find? I'm still looking..


The 78 center kitchen Royale I was looking for.....Found it in SC after a post about the eclipse on FB where I showed pictures of another, much sadder, coach I found there.
I happened to mention what I was looking for and someone said they had one for sale......
It's pretty nice and original and been used and garaged it's entire life. Not perfect, but nice.



On Mon, Aug 28, 2017 at 2:03 PM -0400, "Pete Smith" wrote:


Found my GMC, now looking for insurance......
So far Progressive looks best with the included recovery plan but do any members have good/bad experiences with them?

Pete
--
Cary, NC

No Coach yet but likely center kitchen, dry side bath Royale, 78, 403, hopefully with good original white Imron paint.

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Cary, NC 1978 Center Kitchen Royale.
Re: [GMCnet] Progressive insurance? [message #322861 is a reply to message #322853] Mon, 28 August 2017 16:09 Go to previous messageGo to next message
emerystora is currently offline  emerystora   United States
Messages: 4442
Registered: January 2004
Karma: 13
Senior Member
If you get an agreed value policy which needs an appraisal at the time you buy the insurance, you have an agreed contractual amount that the insurance company has to pay you.

You don't have to justify anything at the time of loss.

My GMC has an agreed value policy for $48,600 as appraised by Jim Kanomata last February. If we have a total loss that is what National Interstate will pay me.

Emery Stora
77 Kingsley
Frederick, CO

> On Aug 28, 2017, at 2:08 PM, Dan Wallace wrote:
>
> I could not do it online.
>
> And, until I called it a "1974 GMC model 260" they could not find it. The first time I called they said they couldn't insure it.
>
> The second time I just asked to transfer the policy from the Winnebago to the new GMC 260.
>
> I told them the value of $13,000. They told me just to call back as I put more money into it, and they would raise the insurance coverage.
>
> Just be prepared, you will have to justify the value of any loss. So, I would not intentionally over insure mine.
>
>
>
>
>
> --
> Dan Wallace
> Detroit Metro
> 1974 Canyon Lands 260
> Headers, 3.55, 16"
> Floor plan 26-9
>
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org

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Re: [GMCnet] Progressive insurance? [message #322862 is a reply to message #322861] Mon, 28 August 2017 16:33 Go to previous messageGo to next message
thesmith is currently offline  thesmith   United States
Messages: 589
Registered: February 2015
Location: Cary, NC
Karma: 6
Senior Member
That's the plan in the slightly longer run.





emerystora wrote on Mon, 28 August 2017 17:09
If you get an agreed value policy which needs an appraisal at the time you buy the insurance, you have an agreed contractual amount that the insurance company has to pay you.

You don't have to justify anything at the time of loss.

My GMC has an agreed value policy for $48,600 as appraised by Jim Kanomata last February. If we have a total loss that is what National Interstate will pay me.

Emery Stora
77 Kingsley
Frederick, CO

> On Aug 28, 2017, at 2:08 PM, Dan Wallace wrote:
>
> I could not do it online.
>
> And, until I called it a "1974 GMC model 260" they could not find it. The first time I called they said they couldn't insure it.
>
> The second time I just asked to transfer the policy from the Winnebago to the new GMC 260.
>
> I told them the value of $13,000. They told me just to call back as I put more money into it, and they would raise the insurance coverage.
>
> Just be prepared, you will have to justify the value of any loss. So, I would not intentionally over insure mine.
>
>
>
>
>
> --
> Dan Wallace
> Detroit Metro
> 1974 Canyon Lands 260
> Headers, 3.55, 16"
> Floor plan 26-9
>
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org

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Cary, NC 1978 Center Kitchen Royale.
Re: Progressive insurance? [message #322866 is a reply to message #322838] Mon, 28 August 2017 16:57 Go to previous messageGo to next message
jhbridges is currently offline  jhbridges   United States
Messages: 8412
Registered: May 2011
Location: Braselton ga
Karma: -74
Senior Member
Emery, what's the annual premium for that anmount of coverage and liability to some degree?

--johnny


Foolish Carriage, 76 26' Eleganza(?) with beaucoup mods and add - ons. Braselton, Ga. I forgive them all, save those who hurt the dogs. They must answer to me in hell
Re: [GMCnet] Progressive insurance? [message #322871 is a reply to message #322861] Mon, 28 August 2017 17:46 Go to previous messageGo to next message
DetroitDan is currently offline  DetroitDan   United States
Messages: 51
Registered: March 2017
Location: Taylor, MI
Karma: 0
Member
Oh, yes!

For a total loss, with appraisal, I understand.

In my case, with Progressive, they asked me the value, without an appraisal.





emerystora wrote on Mon, 28 August 2017 17:09
If you get an agreed value policy which needs an appraisal at the time you buy the insurance, you have an agreed contractual amount that the insurance company has to pay you.

You don't have to justify anything at the time of loss.

My GMC has an agreed value policy for $48,600 as appraised by Jim Kanomata last February. If we have a total loss that is what National Interstate will pay me.

Emery Stora
77 Kingsley
Frederick, CO

> On Aug 28, 2017, at 2:08 PM, Dan Wallace wrote:
>
> I could not do it online.
>
> And, until I called it a "1974 GMC model 260" they could not find it. The first time I called they said they couldn't insure it.
>
> The second time I just asked to transfer the policy from the Winnebago to the new GMC 260.
>
> I told them the value of $13,000. They told me just to call back as I put more money into it, and they would raise the insurance coverage.
>
> Just be prepared, you will have to justify the value of any loss. So, I would not intentionally over insure mine.
>
>
>
>
>
> --
> Dan Wallace
> Detroit Metro
> 1974 Canyon Lands 260
> Headers, 3.55, 16"
> Floor plan 26-9
>
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org

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Dan Wallace
Detroit Metro
1974 Canyon Lands 260
Headers, 3.55, 16"
Floor plan 26-9
Honda 6010
Harrison 4-bag

Re: [GMCnet] Progressive insurance? [message #322877 is a reply to message #322871] Mon, 28 August 2017 18:06 Go to previous messageGo to next message
emerystora is currently offline  emerystora   United States
Messages: 4442
Registered: January 2004
Karma: 13
Senior Member
Then you have what they call a stated value or an agreed value policy.

You pay your premium on that value but in the case of a total loss their adjuster might offer you a lot less and thus begins the arguments.

Emery Stora
77 Kingsley
Frederick, CO

> On Aug 28, 2017, at 4:46 PM, Dan Wallace wrote:
>
> Oh, yes!
>
> For a total loss, with appraisal, I understand.
>
> In my case, with Progressive, they asked me the value, without an appraisal.
>
>
>
>
>
> emerystora wrote on Mon, 28 August 2017 17:09
>> If you get an agreed value policy which needs an appraisal at the time you buy the insurance, you have an agreed contractual amount that the
>> insurance company has to pay you.
>>
>> You don't have to justify anything at the time of loss.
>>
>> My GMC has an agreed value policy for $48,600 as appraised by Jim Kanomata last February. If we have a total loss that is what National
>> Interstate will pay me.
>>
>> Emery Stora
>> 77 Kingsley
>> Frederick, CO
>>
>>> On Aug 28, 2017, at 2:08 PM, Dan Wallace wrote:
>>>
>>> I could not do it online.
>>>
>>> And, until I called it a "1974 GMC model 260" they could not find it. The first time I called they said they couldn't insure it.
>>>
>>> The second time I just asked to transfer the policy from the Winnebago to the new GMC 260.
>>>
>>> I told them the value of $13,000. They told me just to call back as I put more money into it, and they would raise the insurance coverage.
>>>
>>> Just be prepared, you will have to justify the value of any loss. So, I would not intentionally over insure mine.
>>>
>>>
>>>
>>>
>>>
>>> --
>>> Dan Wallace
>>> Detroit Metro
>>> 1974 Canyon Lands 260
>>> Headers, 3.55, 16"
>>> Floor plan 26-9
>>>
>>>
>>> _______________________________________________
>>> GMCnet mailing list
>>> Unsubscribe or Change List Options:
>>> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>>
>> _______________________________________________
>> GMCnet mailing list
>> Unsubscribe or Change List Options:
>> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>
>
> --
> Dan Wallace
> Detroit Metro
> 1974 Canyon Lands 260
> Headers, 3.55, 16"
> Floor plan 26-9
>
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org

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Re: [GMCnet] Progressive insurance? [message #322878 is a reply to message #322850] Mon, 28 August 2017 18:10 Go to previous messageGo to next message
Brian K is currently offline  Brian K   United States
Messages: 75
Registered: May 2017
Location: Sherman Oaks, CA
Karma: 0
Member
No, mine was "actual value". But I was having trouble finding other companies that would write one for the GMC (I tried Hartford and one or two others at the time, I can't remember)

johnd01 wrote on Mon, 28 August 2017 12:58
Are you talking about an agreed value policy?

On Mon, Aug 28, 2017 at 12:16 PM, Brian Krikorian wrote:

> Pete,
>
> I have Progressive. It had the best deal when I bought the coach. I
> haven't had to make a claim on the coach but I later bundled my auto too.
> Thanks
> to my teen driver I've had to deal with a couple incidents and their
> claims department has been very good to deal with.
> --
> Brian K
> 1977 Eleganza II, TZE167V100261
> Bellevue, WA
> Rebuilt 455, New brake system, a lot of Original Equipment ready to fall
> apart (discovering more as I go along....)
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>



--

*John Phillips*
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Brian K 1977 Eleganza II, TZE167V100261 Sherman Oaks, CA Rebuilt 455, New brake system, a lot of Original Equipment ready to fall apart (discovering more as I go along....)
Re: [GMCnet] Progressive insurance? [message #322884 is a reply to message #322878] Mon, 28 August 2017 18:52 Go to previous messageGo to next message
Emery Stora is currently offline  Emery Stora   United States
Messages: 959
Registered: January 2011
Karma: 4
Senior Member
Actual value is not the same as agreed value.
In the insurance industry Actual Cash Value (ACV) is a method of valuing insured property. Your payout is computed by subtracting depreciation from the amount of your policy.

Are you looking for an agreed value policy? Several of us have found insurers in various states that will write agreed value policies.
The places where you buy your auto insurance usually will not write them.

Emery Stora
77 Kingsley
Frederick, CO


> On Aug 28, 2017, at 5:10 PM, Brian Krikorian wrote:
>
> No, mine was "actual value". But I was having trouble finding other companies that would write one for the GMC (I tried Hartford and one or two
> others at the time, I can't remember)
>
> johnd01 wrote on Mon, 28 August 2017 12:58
>> Are you talking about an agreed value policy?
>>


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Re: [GMCnet] Progressive insurance? [message #322902 is a reply to message #322884] Tue, 29 August 2017 00:31 Go to previous messageGo to next message
jimk is currently offline  jimk   United States
Messages: 6734
Registered: July 2006
Location: Belmont, CA
Karma: 9
Senior Member
Brien,
Hartford is the worst when it comes to evaluating value of our coach.
I tried to help a person and they refused to budge from a book they refer
to.

On Mon, Aug 28, 2017 at 4:52 PM, Emery Stora wrote:

> Actual value is not the same as agreed value.
> In the insurance industry Actual Cash Value (ACV) is a method of valuing
> insured property. Your payout is computed by subtracting depreciation from
> the amount of your policy.
>
> Are you looking for an agreed value policy? Several of us have found
> insurers in various states that will write agreed value policies.
> The places where you buy your auto insurance usually will not write them.
>
> Emery Stora
> 77 Kingsley
> Frederick, CO
>
>
>> On Aug 28, 2017, at 5:10 PM, Brian Krikorian wrote:
>>
>> No, mine was "actual value". But I was having trouble finding other
> companies that would write one for the GMC (I tried Hartford and one or two
>> others at the time, I can't remember)
>>
>> johnd01 wrote on Mon, 28 August 2017 12:58
>>> Are you talking about an agreed value policy?
>>>
>
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
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>



--
Jim Kanomata
Applied/GMC, Newark,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
Re: [GMCnet] Progressive insurance? [message #322903 is a reply to message #322902] Tue, 29 August 2017 00:34 Go to previous messageGo to next message
jimk is currently offline  jimk   United States
Messages: 6734
Registered: July 2006
Location: Belmont, CA
Karma: 9
Senior Member
I can look at the coaches for those that want an independent appraisal at
the Elkhart Convention.

On Mon, Aug 28, 2017 at 10:31 PM, Jim Kanomata
wrote:

> Brien,
> Hartford is the worst when it comes to evaluating value of our coach.
> I tried to help a person and they refused to budge from a book they refer
> to.
>
> On Mon, Aug 28, 2017 at 4:52 PM, Emery Stora
> wrote:
>
>> Actual value is not the same as agreed value.
>> In the insurance industry Actual Cash Value (ACV) is a method of valuing
>> insured property. Your payout is computed by subtracting depreciation from
>> the amount of your policy.
>>
>> Are you looking for an agreed value policy? Several of us have found
>> insurers in various states that will write agreed value policies.
>> The places where you buy your auto insurance usually will not write them.
>>
>> Emery Stora
>> 77 Kingsley
>> Frederick, CO
>>
>>
>>> On Aug 28, 2017, at 5:10 PM, Brian Krikorian wrote:
>>>
>>> No, mine was "actual value". But I was having trouble finding other
>> companies that would write one for the GMC (I tried Hartford and one or two
>>> others at the time, I can't remember)
>>>
>>> johnd01 wrote on Mon, 28 August 2017 12:58
>>>> Are you talking about an agreed value policy?
>>>>
>>
>>
>> _______________________________________________
>> GMCnet mailing list
>> Unsubscribe or Change List Options:
>> http://list.gmcnet.org/mailman/listinfo/gmclist_list.gmcnet.org
>>
>
>
>
> --
> Jim Kanomata
> Applied/GMC, Newark,CA
> jimk@appliedairfilters.com
> http://www.appliedgmc.com
> 1-800-752-7502
>



--
Jim Kanomata
Applied/GMC, Newark,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
Re: Progressive insurance? [message #322927 is a reply to message #322838] Tue, 29 August 2017 10:44 Go to previous messageGo to next message
rcjordan   United States
Messages: 1913
Registered: October 2012
Location: Elizabeth City, North Car...
Karma: 1
Senior Member
Even if you self-insure, you need an authoritative(Jim B, Jim K, others?), written appraisal on file in case someone plows into your coach. Their insurance company of the at-fault vehicle is going to go for the low-ball settlement.

SOLD 77 Royale Coachmen Side Dry Bath
76 Birchaven Coachmen Side Wet Bath
76 Eleganza
Elizabeth City, NC
Re: Progressive insurance? [message #323068 is a reply to message #322838] Thu, 31 August 2017 20:43 Go to previous messageGo to next message
thesmith is currently offline  thesmith   United States
Messages: 589
Registered: February 2015
Location: Cary, NC
Karma: 6
Senior Member
I went with progressive. And also added RV PLUS to my AAA POLICY......to get the 100 mile to my choice of destination tow policy to back up progressives tow to nearest "qualified" facility.

Confirmed that the 200 million tow in the RV premium AAA does NOT cover motorhomes (website is not at all clear) so saved $70 sticking with just the plus.


Cary, NC 1978 Center Kitchen Royale.
Re: [GMCnet] Progressive insurance? [message #323069 is a reply to message #323068] Thu, 31 August 2017 20:50 Go to previous messageGo to previous message
k2gkk is currently offline  k2gkk   United States
Messages: 4452
Registered: November 2009
Karma: -8
Senior Member
AAA RV Premium towed my GMC motorhome at no cost.


D C "Mac" Macdonald
Amateur Radio K2GKK
Since 30 November '53
USAF and FAA, Retired
Member GMCMI & Classics
Oklahoma City, OK
"The Money Pit"
TZE166V101966
'76 ex-Palm Beach
k2gkk + hotmail dot com


________________________________
From: Gmclist on behalf of Pete Smith
Sent: Thursday, August 31, 2017 20:43
To: gmclist@list.gmcnet.org
Subject: Re: [GMCnet] Progressive insurance?

I went with progressive. And also added RV PLUS to my AAA POLICY......to get the 100 mile to my choice of destination tow policy to back up
progressives tow to nearest "qualified" facility.

Confirmed that the 200 million tow in the RV premium AAA does NOT cover motorhomes (website is not at all clear) so saved $70 sticking with just the
plus.
--
Cary, NC

No Coach yet but likely center kitchen, dry side bath Royale, 78, 403, hopefully with good original white Imron paint.

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