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Lwiddis

Los Angeles :(

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Posted: 09/29/18 09:14pm Link  |  Quote  |  Print  |  Notify Moderator

Your deductible is?


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jfkmk

NJ

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Posted: 09/29/18 09:15pm Link  |  Quote  |  Print  |  Notify Moderator

The towing vehicle’s insurance will only cover liability insurance, not collision. If you have collision on your trailer, you’ll have the deductible to meet. If you put in a claim you run the risk of increased premiums.

ktmrfs

Portland, Oregon

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Posted: 09/29/18 09:23pm Link  |  Quote  |  Print  |  Notify Moderator

jfkmk wrote:

The towing vehicle’s insurance will only cover liability insurance, not collision. If you have collision on your trailer, you’ll have the deductible to meet. If you put in a claim you run the risk of increased premiums.


on the "increased premiums" on my outback I got a torn roof from a branch, repaired under trailer policy. Not only did the premium not increase, the following year insurance premium actually went down about 10%.


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path1

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Posted: 09/29/18 09:28pm Link  |  Quote  |  Print  |  Notify Moderator

New years eve neighbor had a tree fall on his trailer. He called foremost and got live operator to start claim process. Call your insurance company right now (825 PM my time right now. Call yours and see if anybody is even there. Little alone ask if you are covered. That would be indicator of how good your insurance company is or is not.

Executive

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Posted: 09/30/18 12:48am Link  |  Quote  |  Print  |  Notify Moderator

I can file a claim and talk to a rep 24/7. Who's your insurance carrier??? ..Dennis


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Ralph Cramden

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Posted: 09/30/18 03:53am Link  |  Quote  |  Print  |  Notify Moderator

Those cheesy OEM ladders can be had for a $100 bill or less, and the labor to swap one out by insurance company labor numbers may be 1 hour at most. So if you're carrying a 0 deductible policy file a claim, if your deductible is $250 or more, you're paying out of pocket regardless.

* This post was edited 09/30/18 04:47am by Ralph Cramden *

spoon059

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Posted: 09/30/18 06:03am Link  |  Quote  |  Print  |  Notify Moderator

thehippie wrote:

am i covered with my insurance?

After carefully reviewing your insurance policy, I can safely tell you that nobody can answer that question without carefully reviewing your insurance policy.

On a related note, my sister-in-laws truck has a flat tire. Was it a nail or a screw that flattened it?


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Terryallan

Foothills NC

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Posted: 09/30/18 07:05am Link  |  Quote  |  Print  |  Notify Moderator

You should still call. They should have a Rep on duty. Allstate does. If they don't. Change Ins companies. Accidents happen on weekends, and at night too.


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Ralph Cramden

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Posted: 09/30/18 07:12am Link  |  Quote  |  Print  |  Notify Moderator

spoon059 wrote:

thehippie wrote:

am i covered with my insurance?

After carefully reviewing your insurance policy, I can safely tell you that nobody can answer that question without carefully reviewing your insurance policy.

On a related note, my sister-in-laws truck has a flat tire. Was it a nail or a screw that flattened it?


After carefully reviewing Spoons review of your policy, I can confirm his determination [emoticon]

It was one of those steel S hooks from a rubber bungee.

Edd505

Elephant Butte, NM

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Posted: 09/30/18 07:34am Link  |  Quote  |  Print  |  Notify Moderator

PastorCharlie wrote:

Your deductible is probably more than the cost of the ladder.


+1


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