Wacky... No claims, no problems and out of the blue a message from progressive saying they're canceling my rv insurance. Looks like I'm hunting for a new insurance company. Like I did to state farm when they messed me about the same way, I'll take all my policies away from progressive.
Quote from: Zephod on March 06, 2015, 09:22:52 PMWacky... No claims, no problems and out of the blue a message from progressive saying they're canceling my rv insurance. Looks like I'm hunting for a new insurance company. Like I did to state farm when they messed me about the same way, I'll take all my policies away from progressive.
I had a company car for a number of years (we're talking 15 years ago). Then I got "retired" so I bought a car; moved to my hometown to be with aging parents, went to the man who bought my grandfather's insurance agency when he passed away and got insurance on my car. OK, then 7 months later, Progressive wrote me a letter "we're dropping your coverage because you don't have proof of previous coverage and we don't know who you are". Ummm, I don't have proof of previous coverage because I didn't *have* previous coverage -- for a reasonable and valid reason. And you don't know who I am??? My family had (and still carried) insurance through that agency for 60 years and I had coverage with them for 30 (granted, there had been a break of a couple of decades)?
Yep, one turn of the little chrome handle and Flo and all her friends went right down the tubes. Went on-line and got Nationwide - that didn't work out great, either, but it was a port in the storm. (This was pre-bus.)
Zeph, what kind of bus and how long had you been with them ?
I have had mine through Nationwide for several years. A few years they changed the RV and cycles to a subsidiary. Still billed by Nationwide, just different policy numbers. My parents used State Farm on their house car, motorhome , and finally bus conversion since the 50's
i think we're talking schoolie... these are getting harder to insure, i'm not sure why ???
Quote from: chessie4905 on March 07, 2015, 11:27:41 AMI have had mine through Nationwide for several years. A few years they changed the RV and cycles to a subsidiary. Still billed by Nationwide, just different policy numbers. My parents used State Farm on their house car, motorhome , and finally bus conversion since the 50's
After I had had Nationwide for about 4 years, they sent me a letter "no more insurance for RV's in NC because of rulings by the NC State Insurance dept." I wrote them, it's on my policy with my house and my car. They wrote back - no more RV insurance in NC. Period. I guess they had to do it; I hope that they understood I had to pull ALL my insurance policies from Nationwide.
Quote from: eagle19952 on March 07, 2015, 06:45:06 AM
Zeph, what kind of bus and how long had you been with them ?
I started with progressive in January after state farm uninsured me. I took all of my policies with me. I have a Carpenter 3800
I left progressive after the agent told me they will not honor stated value, they will charge extra and sale it to you but will not pay off in case of a total accident,,,,,according to their agent, went elsewhere
The insurance industries in my opinion are not nice in general and the higher up you go, the less nice they become. They also have a very powerful political lobbying group. Just who do you think rammed mandated automotive, (and Bus Conversions?) insurance down our unwanted throats to begin with? Think it through. Kinda scary for sure. Ever wonder why we had no say so?
It gets worse. Somehow, some way, they also have conned the TAX PAYERS to prop up very expensive and in my opinion, (again!) mostly unnecessary nation wide paid agency fire departments to prop up huge profits in the fire insurance industry scam. In my view, pretty much all insurance is a sucker bet, but again, that is just me. Rant over. HB of CJ (old coot) retarded ex firefighter.
Moderators; delete if necessary as kinda off topic
I think that Google has just started a site that compares auto insurance prices. It might be worth a look.
Progressive is an education, I have a 2004 Ford F150 titled in Montana, I live in Va, Progressive wants $1,200.00 year for basic coverage, so went with Gieco, $350.00 Same Coverage. So I have noting good to say about Progressive and their ways. One needs to dig into the ownership of Progressive, Large shock for a red blooded American.
Dave M
We have stated value insurance through Auto Owners. Whether they would pay or not is another issue.
Now Dave the owner is a nice upstanding man have you ever heard anyone say bad thing about George Soros ::) ::) ::) I don't buy Progressive of any type
I agree Dave M
Hi All, I think insurance is the great evil of our time, betting your not gonna get hurt, so they can make outrageous profits, state farm spent 25 million on their convention last year! lvmci...
I'm wondering whether the problem is that its titled as a private bus.
Any of our vehicles that are older than 5 years, and that includes the bus, are not insured. It is not worth it. If it gets minor damage, we fix it out of pocket. It one got damaged beyond repair, we would take the loss, and do without it, or get another one. We do have liability on all of them off course, like 5 million. So about the bus, if I wrinkled some body panels, I would try to straighten them out. If not, I would look for replacements, (I know that could be hard to get). If I drove it off the road and totalled it, and survived, I would look for another bus, or truck conversion, or nothing at all, we would decide then. I just don't trust any insurance company to fairly compensate me for the loss of my bus. And you don't claim for small damage anyway, depending on the amount of the deductible, so I don't see any insurance company helping me in any way. They just like to collect premiums, they don't like to pay out claims.
JC
Its insured collision only though.
Quote from: Zephod on March 08, 2015, 01:07:21 PMIts insured collision only though.
My father, who was pretty canny on things, said "if you can't afford to lose it, you can't afford to not insure it". I don't think it's an easy call (esp. when a "person with no official documentation", having embibed a bit too much serrvessahh, decided that the easiest way to outrun the police was to do it about 115 Mph through the back seat of my car). I guess you're gonna lose if you're gonna lose.
Well, I rang the agent. It seems the policy wasn't intended for vehicles as big as mine. Well, he would say that, wouldn't he? Perhaps its his way of saying he screwed up. Mind, I was suspicious of a $125 policy!
Odd, as progressive insures 18 wheelers.
The whole thing is odd. Its a box on wheels. Who gives a rats @$# what its used for? The only risk is related to mileage.
Love this Quote:
My father, who was pretty canny on things, said "if you can't afford to lose it, you can't afford to not insure it".
We all live from what we were taught,
Me, "If you can not pay cash, you can not afford it"
Never had the good things until the last 20 years, yes I suffered thru a lot of junk.
Dave M
Quote from: wg4t50 on March 10, 2015, 09:06:21 AM
Love this Quote:
My father, who was pretty canny on things, said "if you can't afford to lose it, you can't afford to not insure it".
That's pretty good advice as long as you take into account liability. I don't mind self insuring assets but the public and environmental liability is a complete wild card.
I think the decision to insure is greatly influenced by the cost of premiums relative to the insured value.
I can't afford to not insure my coach because the premium is 1/2 percent of the coach's value. The problem we all face is eventually depreciation lowers the coach value so much, while the premiums remain fairly constant and a point is reached in which we only insure for liability to protect our assets and we risk the cost of collision damage repairs.