Never hook to a trailer before you check it out.

[jeepit]

That may vary from state to state. As I posted before where I live and with Liberty Mutual as my insurer my trailer is under the coverage of the truck when hooked up.

If my tow vehicle has comp and collision so does the Cougar when attached.

I checked that very carefully when I bought the trailer.



Your results may differ... .



Mike.

I'd like to see that policy... ...

 

[fox]

It was hooked to the truck at the time of the fire, correct??



I think you will find that there is coverage if you have comp and collision on the truck depending on your states requirements of insurance carriers that can do business there.



Mike.

Yes it was hook up!!

We were running 65 down the interstate!!!



Now they tell me, today, the truck is still mine and I'm responsible for storage fees!!!

And all the personal items lost will be covered under my HOME OWNERS policy!!!



I said WTF??!!!

That isn't what the policy says and I will point it out sternly tomorrow.

 

[fox]

Talk to your agent!

Agent told me today it is out of his hands!!

Adjuster told me I'm responsible for storage fees because they are still my vehicles.

I can store them for free. Adjuster has pics, so I don't see an issue here. So, I will ask to have it transfered to my property, and I will pay for that. It will be locked up indoors.



He also said I need to make a decision soon.

I said, WHAT is the question. ??? Decision on what???

He called me and stuttered around not sure of anything really. I told him to call me later when he has things figured out.



This really looks mickey mouse. ( sorry mickey )



They are fishing to see what I will accept I think.

 

[fox]

30 years ago I had country companies.

My agent told me, anything hooked to my truck--legally-- and on a roadway will have complete insurance.



I'm dealing with American family.



Family says this is a good company and smells wrong.

 

[HBarlow]

Mike,

I have no clue what ME insurance regulations require but that doesn't sound right that your insurance company provides free comp and collision insurance on your trailer when being towed. Liability coverage, which is never required or purchased for a trailer makes sense but not comp and collision.

Comp and collision coverage on a late model trailer usually requires a premium of several hundred dollars annually.

Besides that, what happens if the trailer is parked beside your garage or you're using it in a campground away from home and a tree falls on it or its hit by a major hail storm?

I would call and discuss that with agent and ask him to show you where that clause is contained in the policy language. Better yet, ask for that in writing.

 

[mwilson]

Mike,



I have no clue what ME insurance regulations require but that doesn't sound right that your insurance company provides free comp and collision insurance on your trailer when being towed. Liability coverage, which is never required or purchased for a trailer makes sense but not comp and collision.



Comp and collision coverage on a late model trailer usually requires a premium of several hundred dollars annually.



Besides that, what happens if the trailer is parked beside your garage or you're using it in a campground away from home and a tree falls on it or its hit by a major hail storm?



I would call and discuss that with agent and ask him to show you where that clause is contained in the policy language. Better yet, ask for that in writing.

When it is hooked to my truck it is covered by the truck's policy. As it should for what I pay for insurance on the Mega Cab every year.....



When it is not hooked to the truck I have coverage for any damage including the awning (which is a rider attached to the policy) for an annual fee of $107. 00. You have to add awning coverage to anyone's policy, it is always a rider.



The trailer was financed the first year that I owned it and the above policy satisfied the lender completely. Had that not been the case the lender would have climbed my *** for not having adequate coverage on a vehicle with a leinholder involved.



But again, this may be a state by state issue. Any insurance company doing business in the State Of Maine has to offer certain coverages and is monitored for that.



I am shopping for insurance right now as luck would have it and I will try to find the camper coverage info. I think it is listed on the same policy as the two Town and County vans and the Mega Cab.



I will ask for written confirmation as I get quotes over the next couple of weeks.



I will post the confirmations as I get them.



Mike.

 

[mwilson]

I'd like to see that policy... ...

I'll see what I can do, I cannot stress how careful I am about being insured and am not on here just blowing smoke up you know where.....



Mike.

 

[Troubleshooter]

As has been stated earlier, insurance is regulated state-by-state. But in the last four states where I lived, and the last two insurance companies that I used, the camper required its own policy (for collision and comprehensive, NOT "liability"). All non-camper trailers (cargo, livestock, flatbed; owned, rented, or borrowed) were automatically covered for collision under the truck policy.

 

[pwerwagn]

FWIW... my battery caught fire on my 05 a few weeks back. Ironically, it was while I was dealing with an accident with my sisters truck/5th (rolled it all).



My batt fire happened to be caused by the alternator overcharging. Optima battery as well... 4 yrs old. It was the passenger battery that caught though.



I almost thought the exact same thing as you. I actually hooked up to a flat bed trailer to haul their wrecked jeep back with, and 15 minutes later my truck caught on fire. I thought it was the trailer too... and blamed it on that. I later realized that I hadnt plugged the trailer plug in with all the commotion. Fortunately I noticed the fire and got it out before it hurt anything more than the battery, cables, and underhood insulation. I put in new batt's... all better now.

 

[jeepit]

I'll see what I can do, I cannot stress how careful I am about being insured and am not on here just blowing smoke up you know where.....



Mike.

All companies follow an AAIS or ISO form. They can deviate from that but most don't.

My ISO form Part B. (4) reads, Liability for my covered auto which includes the trailer.

Part D Damage Coverage, exclusions, (6) reads, Loss to camper body or trailer I own, unless I acquire during the policy period and ask it to be insured within 30 days of becoming owner. So if you have an ISO or AAIS form, which you probably do, this is what is covered and excluded.

When a company settles a claim it will be by the policy form. NOT what you agent says. If unsure, have your agent put it in writing and file it for future reference.

 

[mwilson]

All companies follow an AAIS or ISO form. They can deviate from that but most don't.

My ISO form Part B. (4) reads, Liability for my covered auto which includes the trailer.

Part D Damage Coverage, exclusions, (6) reads, Loss to camper body or trailer I own, unless I acquire during the policy period and ask it to be insured within 30 days of becoming owner. So if you have an ISO or AAIS form, which you probably do, this is what is covered and excluded.

When a company settles a claim it will be by the policy form. NOT what you agent says. If unsure, have your agent put it in writing and file it for future reference.

OK, I just had to call Liberty Mutual at lunch time... .....



I am covered but was not explaining it correctly.



It works as Troubleshooter and Harvey say above BUT my $107. 00 per year policy on the Cougar covers Comp and Collision when attached to one of my tow vehicles in ADDITION to the coverage I mentioned above when it is not being towed (tree limbs, baseballs, wind, hail, dead fish in drawer, catching the awning on fire, any of the before mentioned catastrophes even if performed or caused whilst under the influence... )... ...



So apparently insurance on RV's in Maine is relatively cheap... ... ...



To recap...



If my trailer swings out while underway and swats an oncoming DuraDud then the DuraDud's damage will be covered by my tow vehicle liability policy.



If my poor trailer gets damaged while swatting the DuraDud then the $107. 00 per year Cougar policy covers the damage to it.



If the Mega Cab is damaged by flying debris from the Disintegrating DuraDud then my trucks collision coverage will pay for those repairs.



If I hit a Furd you guys will all pay me if I take it out, right???Oo.



That makes sense to me now.



Mike.

 

[fox]

I have the truck now.

Anyone need anything? Transfer case? Diffs? Aftermarket bumpers?

Still waiting on a call about $$ I was told I would hear today.

 

[jeepit]

What gears were you running?

 

[fox]

3. 54



The adjuster just called.

A different story now.

They say the truck is now thiers and not to touch it!!!!

I will keep you informed.



My insurance company is Walt Disney.



I have been working with goofy, sylvester, buggs Bunny, and others from the lunny tunes gang!!!

 

[jeepit]

Any news on your insurance claim?

 

[mwilson]

3. 54



The adjuster just called.

A different story now.

They say the truck is now thiers and not to touch it!!!!

I will keep you informed.



My insurance company is Walt Disney.



I have been working with goofy, sylvester, buggs Bunny, and others from the lunny tunes gang!!!

The ACME insurance company?????



Mike.

 

[d6c]

A good friend of mine bought a used F450 with a Pro-tech flatbed... . got around to calling his insurance agent up about 25 days later..... believing the 30 day timeline... . got the response that the insurance company didn't write policies on that heavy of rig... . so Harold had been driving around for 25 days with NO coverage... . I made it a personal policy a long time ago to call the agent (or ins. company if no agent is involved) before the rig leaves the point of purchase. Just bought a new log loader... . spent the extra money to have them both insured the day we swapped them out... . probably over-cautious... but both of them were in my possession and were covered that day.

 

[HBarlow]

Sometimes a person doesn't have any idea what kind of amateur operation he has been paying to insure his vehicles or home until he has a claim.

If the clowns describe your truck as "theirs" it's good news for you. They have decided it is a total loss and their responsibility to pay.

Do some studying of NADA and KBB websites as well as used truck selling prices in your area so you'll be ready to get nose to nose with them over their determination of value of your truck.

 

[HBarlow]

A good friend of mine bought a used F450 with a Pro-tech flatbed... . got around to calling his insurance agent up about 25 days later..... believing the 30 day timeline... . got the response that the insurance company didn't write policies on that heavy of rig... . so Harold had been driving around for 25 days with NO coverage... . I made it a personal policy a long time ago to call the agent (or ins. company if no agent is involved) before the rig leaves the point of purchase. Just bought a new log loader... . spent the extra money to have them both insured the day we swapped them out... . probably over-cautious... but both of them were in my possession and were covered that day.

Yup, that's something to be aware of. USAA, my insurance company of 35 years agreed to insure my new C&C before I bought it and then sent me temp coverage documents but notified me a couple weeks later after they keyed the VIN in their computers that they would not insure it because it had a GVWR of greater than 10k!!!!

I explained they had insured two previous Ram duallies since 2001 with GVWR greater than 10k. It took some persuasion and explaining in writing but I was able to persuade them to go to the Texas Insurance Commission to change their filing so they could cover it and I finally got it covered with normal rates as a private vehicle, not a commercial truck.

 

[HBarlow]

OK, I just had to call Liberty Mutual at lunch time... .....

I am covered but was not explaining it correctly.

It works as Troubleshooter and Harvey say above BUT my $107. 00 per year policy on the Cougar covers Comp and Collision when attached to one of my tow vehicles in ADDITION to the coverage I mentioned above when it is not being towed (tree limbs, baseballs, wind, hail, dead fish in drawer, catching the awning on fire, any of the before mentioned catastrophes even if performed or caused whilst under the influence... )... ...

So apparently insurance on RV's in Maine is relatively cheap... ... ...

To recap...

If my trailer swings out while underway and swats an oncoming DuraDud then the DuraDud's damage will be covered by my tow vehicle liability policy.

If my poor trailer gets damaged while swatting the DuraDud then the $107. 00 per year Cougar policy covers the damage to it.

If the Mega Cab is damaged by flying debris from the Disintegrating DuraDud then my trucks collision coverage will pay for those repairs.

If I hit a Furd you guys will all pay me if I take it out, right???Oo.

That makes sense to me now.

Mike.

Yep, if you destroy a Furd we'l chip in to buy you a great meal for two. Perhaps at that great seafood restaurant we ate lunch in when I was there.