What about insurance for the old timer?

What's everyone doing for insurance on their old rigs?

National Interstate said "Too old".

thanks 

Views: 199

Tags: RV Insurance

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Comment by John "T" Nordhoff on May 6, 2012 at 9:13am

  You have to distinguish Collission and Comprehensive versus Liability Insurance on our older rigs. While it may be cheaper to "self insure" against collission (i.e. dont buy any at all covering YOUR vehicle) or at least carry a very high deductible, Liability is a MUST and a legal requirement in most places SO BE SURE YOU HAVE THAT REGARDLESS IF YOU CARRY ANY COLLISSION. Also make sure if youre towing thats covered under your liability, if your toad breaks loose and hits a school bus load of kids you might be liable for millions as you should be if youre negligent.

 

 On older vehicles well under $10,000 I pretty much assume the risk of collission myself but if the RV is worth a lot over $10,000 I will buy collissison with hugeeeeeeeeee deductible so Im covered for catastrophic losses but can handle the smaller myself butttttttttttttttt as you may have discovered many insurance companies dont like to furnish collission on and olddddddddddd RV. Their "books" show it to be worth practically nothing so theyre not wanting to give you $10,000 if you total it UNLESS youre willing to pay for it perhaps???

 

 John T  Self insured EXCEPT for catastrophic protection  

Comment by Deb Smith on May 3, 2012 at 9:46pm
We got a policy from Progressive, very reasonable. Also added RV towing to our AAA for $100 a year more. Our rig is a 1972 Winnebago Brave.

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