Archive for the ‘rv insurance’ Category
I’ve heard of a family that will drop most coverage when they park their RV for several months out of the year to save money and was wondering if I could do the same thing (drop collision coverage) for the Fall and Spring Semesters (I am a student) Any links you can find would be helpful. Thanx
You can drop collision as often as you want as long as your car is paid off. If you still owe on it you must carry collision. Just explain to the ins co that you are going to park it for a while and you will have no problem.
I know it’s different for everyone but how much does it cost for you? And what size / class RV do you have? I’m just trying to get a rough estimate.
Thanks
Unless it is a motor home, all you need is comp and collision (liability is extended from the tow vehicle) and it is based on the value of the RV. My small 5th wheel (worth about $8,000.) insurance cost about $170.00 a year
What expenses would there be? Rental space at a mobile home park? Insurance, utilities,etc? Thank you!
Lot rents can range from 200 to 400 depending on location. Usually water is included, electric bout 30 a month.
1990 toyota dolphin rv needing insurance does anyone know a ballpark estimate on how much to insure ? thanks!!
It depends on your age, gender, location, and insurance history. If you have insurance for your vehicles get a quote for the motor home through the same agency. The premium for a motor home is actually fairly cheap if you’ve been continuously insured with no lapses, have a clean driving record and have other policies in force with the same insurance company. Can’t give you a figure without more information, sorry
I have a 2 yr old layton travel set up on my deer lease with insurance.Last week while clearing brush i had an accident and dropped a large tree on it , Now is this like full coverage car insurance and i just make my claim and pay the deduct or how is the process to get it fixed ?
Did you BUY full coverage on it?
If you did, then yes, damage by falling objects - like a tree - should be covered.
Say suppose a RV is way over the yellow line. An oncoming car is approaching and to avoid a head on collision, the car runs off of the road in a ditch, panicked, and jerked the car back onto the road and hit the side of the RV. Who's at fault? Or instead of hitting the side of the RV, what about another car and made no contact with the RV?
I had a close call one time with a car over the yellow line coming from the other side of a hill. I didn't have time to react or do anything. I'm just glad my car is small and I wasn't close to the yellow line at the time. See this question for more about it: http://answers.yahoo.com/question/index;_ylt=ApbuXn5C_UwlKOJnWsZbqsnty6IX;_ylv=3?qid=20090606152107AAr2YCD
The proper response to someone in your lane is to head as far right as possible while SLOWING to a stop if needed. (while flashing lights, sounding the horn and anything else possible to get the other driver to pay attention.)
Jerking the vehicle back onto the road is considered unsafe. If a vehicle leaves the road for any reason it should be brought to a safe stop and then slowly and gently returned to the roadway when it is safe to do so. A good driver is watching far enough ahead and has complete control over his vehicle and thus can avoid that situation without "panic".
Loss of control of a motor vehicle makes the person at fault under law. The driver who left the road could be cited for failure to control a motor vehicle! (Falls under Reckless Driving, or Driving as to Endanger depending on state.)
Insurance companies now operate under a percentage of fault policy. They would find the driver who lost control to be at fault, but not 100%. The other driver would be found partially at fault as well. If the RV was involved in the accident. If an innocent 3rd party in another car was hit, that driver would have no liability in the accident and the insurance company would find the driver who lost control 100% at fault.
I am not stealing it promess, We had planed to move it to a lot today and one of the little kids ran of with the keys, we cant find them ANYWHERE! there is only insurance on it for today and it will probably never move again. How do we get it that far with out the keys???
Need more information. What year and model chassis?
We really like this house and the landlords are super strict (like 26 pg. contract) We noticed in the contract that we have to give access to the landlords realtor and clients to show, whether we are home or not. We are uncomfortable with that. We want to rent the home for like 2 yrs. on a lease. Then we would really love to buy it. They want to sell now but market value isn't what they want. So I thought it would suit us both, except the part of the contract that says that they will be showing it. I don't mind leasing but I want to be here for awhile and eventually own it. I have a bad feeling about leasing it and them selling it, we would have to move again. We explained to them that we have two kids and want to stay here, raise our family. Also, it says that if a natural or unexpected disaster were to happen, we would be responsible for repairs. Isn't that what homeowners insurance is for? Why us? Also they are not allowing us to park our rv in the driveway. Are they allowed to tell us what property we are allowed to have there? Please help us before we sign this! Any suggestions are appreciated!
I assume that you are signing a year lease. That means that you can live there for one year. At the end of the year, the landlord (or you) can end the agreement and you move, or you can sign another lease.
If you want to live there more then a year, then ask for a 2 or 3 year lease.
In regards to showing the property. Ask that you are given 24 hours notice and the you have to be there.
In regards to you buying the property, ask if you can have the right of first refusal. This means that they ask you if you want to purchase and if you say no, then they can sell it to whoever.
Also, if you actually want to buy it, why don't you buy it now vs renting?
I don't like the natural or unexpected disaster part and would cross this out. You are correct, that is what insurance is for. I would put into the contract that you will carry renters insurance.
In regards to the RV. Yes, they can restrict this. In fact, there may be an HOA that also restricts these types of things.
This sounds like a very onesided lease. I would have a lawyer review it ASAP. It may cost you a few bucks, but it could save you in the long run.
That depends on a lot of factors, if you need to know it you can get quotes for you from different companies in your area at this link
http://quoteinsurance.notlong.com
Good luck
I live long term in an RV park. Last month a tree that was supposed to have been trimmed 6 months earlier lost a hugebranch and it took out my awning. The RV insurance covered that, but shouldn't the Park reimburse the deductable paid? They moved me to a spot where I now cannot use my awning and summer will be here in a couple of months.
Know about these rights or a site that has infomation?
By law the RVs have to be moved every 8 months to a different site. I knew that time was coming and went to the office and talked to the interim managers and to the owner of the park. The owner told me "sufficient" notice will be given" as I was concerned, as I have a land line so I can get affordable DSL. She showed up at my door at 5:30pm the previous evening and handed me a paper saying I'd have to be ready to move in one day. I rushed like mad to get ready and then she came and extended it one day as someone else refused to move so quickly. Now I'm stuck in the spot that I explained about above. I could barely get the slideout open. I am truly angry and want to know my rights before I approach her again.
Paying the deductable, because due to their carelessness the tree was not taken care of as is required and caused damage, duress and could have easily landed on a neighbors much smaller RV and ruined it or him. I am paying for their irresponsible behavior ( as far as the tree) We long termers are the Park's bread and butter and should be considered first over others. If we all left they'd sink. (no we all can't leave, I wish we could, emass!!)
Why would they be paying your deductable? They normally would not, unless you have something like that in your contract.
Honestly, I have no idea if they have to move you to an awning friendly spot or not, but I doubt that they have to take your personal possessions into account. I would expect the only thing they have to take into account is the size of your RV.