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| [GMCnet] GMC Insurance [message #363759] |
Fri, 30 April 2021 15:44  |
Ken Henderson
Messages: 8726
Registered: March 2004
Location: Americus, GA
Karma:
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Senior Member |
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I've spent most of the day today trying to get the X-Birchaven re-insured.
Let me tell some of the tale:
A couple of years ago, United Automobile Association, a mutual
insurance company founded by and for military personnel and now one of the
largest, most admired companies in the country, decided to stop insuring
RV's. Instead they'd act as a "broker", taking a cut of the premiums for
the trouble, of course. They announced that they'd be passing all of their
clients off to Progressive, and provided instructions for the transfer. I,
and many others, being repelled by the politics of the principles of
Progressive, never made any effort to transfer and were therefore continued
under USAA coverage. I was comfortable with that, but did notice the
premiums rising more than expected.
When the GMC's policy came up for renewal in July 2021, it occurred to me
that the coach hadn't moved since November 2019 because of the pandemic.
It made little sense to me to continue spending hundreds of dollars for the
very minor risk of the coach setting in it's dedicated shelter, so I
cancelled the policy. From all indications at that time, it would be a
simple matter to re-start the policy when I was ready to begin moving the
coach again.
Today I attempted to perform that re-start. Rather than being simple, it
turned out that after everything except "closing the deal", USAA directed
me to another company. Not Progressive this time but Foremost, IIRC.
Naturally, that did not set well with me, so I've pursued that no further.
After much 'net searching I contacted a broker who specializes in RV
coverage. The agent there has been most cooperative and obtained quotes
from two companies. The slightly less expensive of those turned out to be
Progressive. Naturally, I refused that one. I asked for more information
about the other company, and offered the possibility of transferring all of
my cars' coverage to them. I'm waiting for the consolidated quote.
In the meantime, I contacted the most well known local broker, owned by a
high school classmate of mine. The agent there was also quite cooperative
and accepted that I would not deal with their first choice of a company,
Progressive. A few minutes ago, I got a call back from that agent to
inform me that they needed just a little more information before issuing a
policy: The professional appraisal, which I expected to need from Jim K.
(I'm only shooting for $25K 'tho' the coach is probably worth $40k), AND
photos of all 4 external sides as well as some internal shots. That didn't
seem unreasonable. But then, I asked the agent to confirm that they were
offering, as I had asked, an Agreed Value policy. After referring to the
paperwork, she informed me that the company would only issue an Actual Cash
Value policy! I didn't have to take a breath before declaring that I would
NOT go to all that trouble for such a policy -- which I'd tried to make
clear was not what I'd buy. I thanked her for the time wasted, and hung up.
My options are getting quite narrow! I may wind up with nothing but
liability coverage from some little-known company. Unless someone here has
a miraculous solution!
Ain't this fun!
Ken H.
Ken H.
Americus, GA
'76 X-Birchaven w/Cad500/Howell EFI & EBL,
Manny Brakes & 1-Ton, Troy-Bilt APU, etc., etc., etc.
www.gmcwipersetc.com
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Ken Henderson
Americus, GA
www.gmcwipersetc.com
Large Wiring Diagrams
76 X-Birchaven
76 X-Palm Beach
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