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Bus Discussion => Bus Topics ( click here for quick start! ) => Topic started by: edeshields on January 29, 2013, 03:10:00 PM



Title: Insurance
Post by: edeshields on January 29, 2013, 03:10:00 PM
Since it was time for the bus insurance renewal I did a little investigation.  What seemed to be a simple task quickly turned into a perilous journey.  First, I’m will Allstate.  The price wasn’t bad and what appeared to be the standard coverages didn’t seem out of line until I actually read my policy.  I first read the definitions.  It was full of got-ya’s.  To be a motor home if would have had to been “manufactured in a facility” as one.  Otherwise, you ain’t covered.  For me, that’s ok because my MCI was a shell and “manufactured by a conversion facility”.  Second, if you destroy it you’re not going to get much – may a few grand because a carefully worded cash value clause regardless of whether you bought an agreed value, or stated value policy – which are almost impossible to find now.

The typical names weren’t selling bus conversion anymore.  Progressive – nope unless you wanted to pay $3,000 per year for cash value only.  Allstate?  Yep, they’ll sell it to you but watch out!  Read your policy. 

My concern is that my bus is worth much more to replace it than a worn out transportation coach its same age.  So the gap was big and if I total it, that’s what I’m going to get compared to.  I wanted an agreed value policy and found out that it’s only written in a few states.  I live in Texas and the only way I could get a policy was to title it to a company I own in OK, and into my LLC.   The Texas insurance commission won’t allow the policies to even be written. 

I searched this thread before my adventure and saw comments like, “I didn’t tell them it was a bus, or I told them it was converted truck body, or I’m with Allstate or Progressive” etc.  Mainly, I found that, like other, I didn’t really pay that much attention to the details until I discovered them wholly insufficient quite by accident (no pun intended). 
So, I throw this up as an FYI that it probably wouldn’t be a bad idea to whip out your policy and give a once over.  I was glad I did. 


Title: Re: Insurance
Post by: gus on January 29, 2013, 03:36:22 PM
Number one, never refer to it as a bus. It is a motorhome! As soon as you say bus they immediately picture a wildly painted school bus.

Allstate is one of the lowest rated insurance companies in the US according to Consumer Reports, Farm Bureau isn't much better.

The best ones are Progressive and Good Sam. I have Progressive, they don't care at all if it is a bus conversion and will insure any amount you desire.

I had USAA but they went out of the MH insurance business and referred me to Progressive. I've been a happy camper ever since.


Title: Re: Insurance
Post by: joe on January 29, 2013, 04:14:32 PM
Since it was time for the bus insurance renewal I did a little investigation.  What seemed to be a simple task quickly turned into a perilous journey.  First, I’m will Allstate.  The price wasn’t bad and what appeared to be the standard coverages didn’t seem out of line until I actually read my policy.  I first read the definitions.  It was full of got-ya’s.  To be a motor home if would have had to been “manufactured in a facility” as one.  Otherwise, you ain’t covered.  For me, that’s ok because my MCI was a shell and “manufactured by a conversion facility”.  Second, if you destroy it you’re not going to get much – may a few grand because a carefully worded cash value clause regardless of whether you bought an agreed value, or stated value policy – which are almost impossible to find now.

The typical names weren’t selling bus conversion anymore.  Progressive – nope unless you wanted to pay $3,000 per year for cash value only.  Allstate?  Yep, they’ll sell it to you but watch out!  Read your policy. 

My concern is that my bus is worth much more to replace it than a worn out transportation coach its same age.  So the gap was big and if I total it, that’s what I’m going to get compared to.  I wanted an agreed value policy and found out that it’s only written in a few states.  I live in Texas and the only way I could get a policy was to title it to a company I own in OK, and into my LLC.   The Texas insurance commission won’t allow the policies to even be written. 

I searched this thread before my adventure and saw comments like, “I didn’t tell them it was a bus, or I told them it was converted truck body, or I’m with Allstate or Progressive” etc.  Mainly, I found that, like other, I didn’t really pay that much attention to the details until I discovered them wholly insufficient quite by accident (no pun intended). 
So, I throw this up as an FYI that it probably wouldn’t be a bad idea to whip out your policy and give a once over.  I was glad I did. 


I just switched from Allstate to Progressive. Agreed upon value was not a problem since it was purchased within the last 2 years. Better coverage and only about $50/yr more than Allstate. I did use an agent to make sure all the paperwork was correct. At least I think Progressive knows what a Prevost conversion is!


Title: Re: Insurance
Post by: edeshields on January 29, 2013, 04:36:07 PM
Tough crowd.  No intention to offend.  

I just spoke to them.  They told me they weren't writing agreed value policies anymore (I live in Texas).  I then called the Texas Insurance commission.  No dice.  Progressive did agree to classify me as "motor home other" but the policy was out of sight and the "cash value" determination mean't a claim would be insufficient.  Allstate (who I have other policies with) told me "don't drive it another mile because if you wreck it, you won't get much".  That's when my alarm bell went off.  

Now, perhaps some are grandfathered in on a particular carrier -- and that would, of course, make a difference depending on the policy language.  But, not to me unfortunately.  

I'm just saying.  That's what got me digging into reading the policies.  Since I own a re-insurance company I appreciate the language because that's the way we're obligated to pay a claim.  

Anyway, I was simply commenting on the need to review your policy.      

(clarifying)..I did find that Progressive says, "Agreed Value protects your investment in your RV without considering depreciation for total losses. The total loss payout is the agreed value as shown on the Declarations page.

Proof of value is required for this option. For RVs purchased less than two years ago, the purchase documents are proof of value. For RVs purchased more than two years ago, an appraisal serves as proof of value."

However, they won't write any state and any "bus conversion" specifically according to my conversation with them.  The cash value clause still exists however.  


Title: Re: Insurance
Post by: skihor on January 29, 2013, 07:31:40 PM
Buyer Beware... Progressive. I had an agreed value policy for 5 years. easy no problems. In July '09 I submitted a claim for hail damage. There wasn't any question about the damage as the hail TRASHED thousands of cars, houses, etc... They totaled our bus and offered me 16K. As part of my purchase contract I had to have it insured for $35K. The rate was based on that. Progressive informed me that they no longer offer agreed value policys. Of course I wasn't ever informed of the change and my rates never went down either. After submitting 4 PAGES of improvements/changes that I had, dome (including receipts), they grudgingly came up to $32K. I had $15K worth of receipts. It should have been worth than my original agreed value policy. Then when the policy came up for renewal they tried to jack all of my policy's an overall  average of 27% under the vague explanation of...
'The cost of doing business in Colorado"
I had 3 motorcycles, 3 cars, 2 trailers, and the bus. insured with them. I could'nt kick them to the curb fast enough. After many, many calls/quotes We ended up with GMAC. They have been wonderful to work with so far.

Don & Sheila


Title: Re: Insurance
Post by: Dave5Cs on January 29, 2013, 08:36:37 PM
Ed, You also have a very nice bus and probably would be hard to get insured for "Who's value" unless you bought it from a dealer and it was always worked on by a professional conversion company. Thats how insurers work IMHO.

I have a MCI 5C Coach that in 2010 I paid $15K for and put maybe 5,000 more into and material Worth 10,000 more that I had left over from jobs I had done earlier. They won't look at that but they will pay for the Bus if needed but only to the extent of what I have in it.

By the way it is an old transit and I knew when I bought it that I would never get anything out of it, but the pleasure of fixing it up to what we like to travel in and redoing a lot of things when needed and affordable.

All I wanted from the insurance company was to cover any person that was injured if that happened and their property replaced if needed. But thanks for the heads up.

Hey thats Busin ;D

Dave5Cs


Title: Re: Insurance
Post by: lostagain on January 29, 2013, 08:59:31 PM
The only insurance we have on the bus is liability, in case we injure someone or do property damage .

The odds of loosing it in an accident or fire or the like are very small.

I don't like giving money to insurance companies anymore than they like paying out claims.

JC


Title: Re: Insurance
Post by: Jriddle on January 30, 2013, 07:16:01 AM
The only insurance we have on the bus is liability, in case we injure someone or do property damage .

The odds of loosing it in an accident or fire or the like are very small.

I don't like giving money to insurance companies anymore than they like paying out claims.

JC

YUP ME TOO

John


Title: Re: Insurance
Post by: gus on January 30, 2013, 11:44:12 AM
I have to back track. After reading some of the other posts I remembered that I had to send photos to Progressive plus a notarized assessment from the PO that I completely forgot about! Sorry about that!

I didn't know about their changed policy on insured value, I better check my policy closer! I have to assume it is grandfathered.

It won't hurt to try Good Sam. They keep sending me these offers for their MH insurance, don't know anything about their insurance, but their road service is great.

With older bus values so low it may not even be worth while to get collision and comprehensive any more.


Title: Re: Insurance
Post by: tomhamrick on January 31, 2013, 05:52:53 AM
I have had State Farm on everything for 40 years. We had the Eagle covered for 13 years with just liability, but when we bought the Prevost we wanted full coverage. State farm wanted to value it and charge us as if it were a new, but of course would only pay what it was worth at the time of a claim. We went with Progressive through and Independent agent and was written for actual cash value. I am sure it makes a difference being a converted from new as opposed to home conversion, but I am happy with Progressive. BUT!!!  I have not had a claim.   :D


Title: Re: Insurance
Post by: TomC on January 31, 2013, 08:30:20 AM
Progressive is the only company I know that will give RV insurance. Most just cover the bus for the normal legal running down the road. Progressive's RV policy will cover much more. When I started my truck conversion, I asked what I had to do to have the truck insured by Progressive. They said I could not build the box myself. I had the box built by a licensed body manufacture, and they were good with that. They didn't care about who did the conversion on the interior. Good Luck, TomC


Title: Re: Insurance
Post by: luvrbus on January 31, 2013, 10:00:47 AM
Better read the Progressive policy close on the agreed cash value it states the claim will be paid at the current market value at the time of the claim as deemed by the adjuster

 A friend of mine who's bus caught fire (Eagle) just went through this ordeal he got about 1/3 of his agreed on value not enough to buy the Prevost he was wanting lol


Title: Re: Insurance
Post by: plyonsMC9 on January 31, 2013, 10:22:03 PM
What about any recent experience w/Good Sam?  We moved and ended up w/ an insurance mess.  So now looking for new coverage.  Good Sam was mentioned in this thread.  We like their roadside coverage.  It's been very good to us over the years.  what about their RV coverage for our bus? (motorhome.   :D  )


Kind Regards, Phil


Title: Re: Insurance
Post by: pabusnut on February 01, 2013, 05:06:29 AM
Gus,

I still have my "40 ft Motorhome" insured with USAA, but I have comprehensive and liability only!  They asked me what it cost new, since they don't have any database that lists it, and I told them $300K in 1973.

I realize that if I hit something (my fault) I won't get any insurance, but if I want to rebuild, at least I still own it, and don't have to buy back my own vehicle.

Steve Toomey


Title: Re: Insurance
Post by: luvrbus on February 01, 2013, 05:21:17 AM
I have 2002 factory converted coach Progressive wrote the insurance without any problem but when they discovered it had a salvaged title they will now write liability only bummer does me no good as it is not road worthy yet and wont be for awhile if ever lol  funny part I bought the bus from Progressive 


Title: Re: Insurance
Post by: skihor on February 01, 2013, 06:17:37 AM
Progressive is the only company I know that will give RV insurance. Most just cover the bus for the normal legal running down the road. Progressive's RV policy will cover much more. When I started my truck conversion, I asked what I had to do to have the truck insured by Progressive. They said I could not build the box myself. I had the box built by a licensed body manufacture, and they were good with that. They didn't care about who did the conversion on the interior. Good Luck, TomC
GMAC has just as good, I think better, policy than Progressive. We are insured as "Full Timers" It includes contents, Personal liability, (if someone slips on your step, trips over your awning leg, etc...) and of course comp, collision, liability, etc... We carry $250/$500 on all of our vehicles including the bus. The best part is GMAC was about 20% cheaper than Progressive.

Don & Sheila


Title: Re: Insurance
Post by: gus on February 01, 2013, 03:12:57 PM
Steve,

I had my 4104 insured with USAA and could have continued indefinitely grandfathered. But when I got the 4107 five years later they were out of the MH insurance business, at least they told me that, and were then referring all MH business to Progressive.

As frustrating as USAA can be sometimes, it still seems to be the best around.

My wrecked custom minivan was totaled by USAA and I bought it back. I rebuilt it and came out a small amount to the good discounting my labor as zero! However, like happened to luvrbus, I cannot get collision on it. I plan to do the same thing if I ever wreck the 4107.

I'm sure any insurance Co will total almost any damaged older bus conversion, it is cheaper than having it repaired. Kind of like owning an old Mercedes or airplane where repair parts cost is more than the market value!

Collision is probably not worth the cost for most older conversions and I will probably drop mine eventually.

I need to look closer into agreed value also. It appears to be a starting point for depreciation rather than the fixed value I thought it was?


Title: Re: Insurance
Post by: belfert on February 01, 2013, 08:30:59 PM
My collision and comprehensive may not cover a whole lot if the bus gets major damage, but I do get full glass coverage.  I've had some bad luck with windshields and my insurance company has paid out at least $5,000 for four windshields.  (Dina windshields are labor intensive to replace.)

Liability is typically the most expensive part of vehicle insurance.  I pay less than $600 a year to insure my bus so I'll keep the collision and comprehensive just for the glass coverage.


Title: Re: Re: Insurance
Post by: Seayfam on February 01, 2013, 08:55:03 PM
I'm with Brian on keeping the coverage. My policy is for 50k and costs me 600 and some change per year. If I total the bus, some money is better than none. As long as it isn't a complete fire, I can try and buy it back and part it out to recoup some more.

Sent from my GT-I9300 using Xparent Green Tapatalk 2


Title: Re: Insurance
Post by: luvrbus on February 02, 2013, 06:32:13 AM
Insurance Co's had no guide lines for years to go by for converted bus with the market now where you can buy a factory converted bus Prevost,Eagle,MCI or others from the late 90s for 50 grand no way are they going to pay over 100 grand for converted bus made in 60's,70s,80's and early 90's those days are gone.

Same thing is going on with the tow insurance a friend of mine is broke down in Lake Havasu 30 miles from my shop they will tow him only 15 miles to a shop that he was told they could do the work in a week or so or he could pay a extra 600 bucks and be towed to my place 
 
So we will be changing a rear end on the side of the road in Lake Havasu today my favorite Saturday past time 

The name of his tow insurance which I have no problem telling you guys their name is Progressive he has had for years when one insurance co goes in a certain direction they all follow better check before you need it


Title: Re: Insurance
Post by: belfert on February 02, 2013, 10:13:53 AM
All of the towing coverage I have ever had since 2006 is only good to the nearest service facility.  Do any companies actually state they will tow anywhere of the owner's choice?  I can't imagine anyone would pay to tow my bus from say Wyoming to my home in Minneapolis.


Title: Re: Insurance
Post by: luvrbus on February 02, 2013, 10:23:16 AM
Most services say 100 miles or did back in the day not long ago it wasn't a problem for Coachnet when you fell into their limit low boy or or hook made no difference to them.

You would be brain dead to even ask or think a program would tow you from WY to MN


Title: Re: Insurance
Post by: Van on February 02, 2013, 11:08:16 AM
If you mention Clifford's name they might tow ya from Wyoming to his place lol!


Title: Re: Insurance
Post by: belfert on February 02, 2013, 02:17:18 PM
Most services say 100 miles or did back in the day not long ago it wasn't a problem for Coachnet when you fell into their limit low boy or or hook made no difference to them.

You would be brain dead to even ask or think a program would tow you from WY to MN

Coach-Net currently says they will tow to the nearest qualified service facility with no dollar or mileage limit.  I believe they leave the decision on type of tow to the provider.  I've only had Coach-Net since 2006 or 2007, and I don't recall it being any different in that time.  It certainly could have been different before then.

I was being facetious about towing from Wyoming to Minnesota.  I would never expect a no-cost tow that far.  There is a story circulating for quite a few years about Coach-Net paying to have a motorhome towed on a lowboy from Alaska back to the continental USA.  There had to have been special circumstances for that one if true.


Title: Re: Insurance
Post by: Lin on February 02, 2013, 02:24:20 PM
We have had GMAC for many years.  When we bought the 5a, they said that they would give only liability unless we had it appraised, which we did.  They then insured it for the appraised amount.  The appraiser, however, did say that it was a professional conversion rather than a home job.  I think that that made a difference to them.  After putting much work into it, I raised that insured amount.  They did not want another appraisal but told me to save the receipts for the work to document the increased value.  Of course, the real question would be what will they really pay out.  If the time comes, they may have a whole different system for determining value.

I would say, get the best policy you can but be prepared to a major argument and disappointment if you ever lose the coach.


Title: Re: Insurance
Post by: gus on February 02, 2013, 04:22:30 PM
Bus insurance and road service are two completely different things!

I had the below email exchange with my Progressive agent. It says to me they don't depreciate the agreed value:

"The answer to your question regarding Agreed Value is it protects the insured's investment in the RV without worry of depreciation for total losses.

Agreed Value may be determined by:

*Value of RV as indicated by Agent/Insured.
*Sales receipt if RV was purchased within the past 2 years.

*Referral to RVTrader.com, RVT.com, or NADA.com
*Taxes, tags, title fees, & all other fees should not be included

Thanks again for choosing Progressive!

 Thalia
Outbound Customer Care, Progressive Insurance, (800) 289-7704 ext.656-2249
Office Hours: 2:15 PM - 11:00 PM Monday - Friday"


"--- Original Message ---
From: gusc

Thalia,

Please clarify to me just what "Agreed Value" means.

I was under the impression this means the amount I would be paid in the case of damage which results in a total write-off of the vehicle. However, in a recent online RV forum it was stated that this is not so, that this value is just the starting point for a depreciation schedule. If this is the case it appears to me that there is no point in my carrying collision on my motor home since I haven't the slightest idea of what I would receive in a total situation.

Can you answer this for me?"

Needless to say, I'm going to file this email!


Title: Re: Insurance
Post by: ABart on February 02, 2013, 05:18:39 PM
I have read over at the Prevost Community that some members have had good luck with Cheryl at Miller Insurance Agencyhttp://www.millerrvinsurance.com] [url]http://www.millerrvinsurance.com (http://[url)[/url]

Feel free to take this with a grain of salt. I have nothing larger than a sport utility vehicle to insure.


Title: Re: Insurance
Post by: luvrbus on February 02, 2013, 06:00:22 PM
Yep Miller Insurance I dealt with Cheryl's dad John a true bus guy for over 20 years she still carries my insurance and works at finding you the best carrier she may cost a little more but her dad taught her well  to cross the T's and dot the I's for the customer RIP John 

good luck



Title: Re: Insurance
Post by: Chuck Hancock on February 04, 2013, 08:40:22 AM
i have a 1986 Prevost Liberty conversion insured with Progressive.  I got on a soft shoulder in Nova Scotia and damn near turned it over (driver side drive and tag wheels were off of the ground).  Tore out the ring gear in the process of towing it out of the ditch.  Progressive paid a $10,000 claim (towing and rear end repair) with no questions asked.  I will look at my policy to see what they would have paid if i had rolled it and totaled it. 


Title: Re: Insurance
Post by: luvrbus on February 04, 2013, 08:57:32 AM
The towing co ate that bill lol Progressive will not pay for mechanical problems they will pay for damage caused by the failure,the bus I have now lost a engine and transmission and started a fire Progressive paid for the fire damage but the guy thought they should pay for the engine and transmission also didn't happen.

Progressive and the lien holder reached a agreement the fire damage was about the same as the amount owed so they totaled the bus the poor guy got only a few bucks for his part and I got a bus I will probably never finish lol


Title: Re: Insurance
Post by: gus on February 04, 2013, 10:30:18 AM
Chuck's case is unusual, he was paid because the recovery caused his damage.

If he had damaged the bus running onto the shoulder he would have been paid if it was considered an accident. Unless there is an accident you aren't covered.

So, as luvrbus said, engines, trans & such failures are not usually covered by insurance. However, there is always that exception!

Mechanical breakdown insurance can be bought for new RVs, but I doubt that can be done for any bus conversion since most are so old.


Title: Re: Insurance
Post by: Lin on February 04, 2013, 10:44:19 AM
Yeah Gus, If you want to hear someone laugh real loud, call Good Sam next time they solicit you for breakdown insurance and ask about the policy for a mid 60's bus.


Title: Re: Insurance
Post by: gus on February 04, 2013, 10:51:48 AM
Brian has a good point on glass, I think Collision is required in order to get Comprehensive which is non-accident glass coverage. (Birds, rocks, hail etc)


Lin,

I thought about doing that a couple of times for my laughs, not theirs!


Title: Re: Insurance
Post by: belfert on February 04, 2013, 05:44:51 PM
I talked to my agent today about some other issues and asked about coverage on my bus.  I have the choice of liability only coverage, liability plus comprehensive, or full coverage including comp/collision.  Full glass coverage is separate and costs me $59 a year.  I think I need comprehensive coverage to get glass coverage.

My bus is valued using stated value.  Stated value is supposed to be better than agreed value.  My agent states I will be paid the full stated value if my vehicle is totaled.  I think I need to call my insurance company directly to verify the whole stated value thing.


Title: Re: Insurance
Post by: luvrbus on February 04, 2013, 06:00:45 PM
Agreed or Stated value needs to be redone every time you renew the policy no matter what a sales person tells BTDT no way will you get the agreed or stated amount down the road in 2 years and it is up to you to prove the value

 Insurance co's love to take your money they just don't like part with,I have the replacement clause in mine being a manufactured RV meaning they will replace it with the same model and size or newer we will see how that works if the time comes


Title: Re: Insurance
Post by: eagle19952 on February 04, 2013, 08:30:06 PM
I have had Progressive also ( for about 10 years), and here is a bit of our last talk...
After 10 years and no accidents or claims i asked..don't you think i should get a cheaper rate...
Agent...after 10 years don't you think your coach is worth less...
so he gave me about a 30% discount on a 30% lower agreed value.
Some people leave me with the impression that their coaches don't depreciate and that they have to be worth what they paid PLUS maintenance costs... ::)


Title: Re: Insurance
Post by: gus on February 05, 2013, 12:31:15 PM
My bus was worth quite a bit more than I paid for it at the time I bought it for various reasons, so two years later it is now probably worth about what I paid, or slightly more.

In my case it makes sense to at least have it insured for the agreed value.

So the insured value depends!!


Title: Re: Insurance
Post by: Emcemv on February 06, 2013, 03:01:29 PM
We are getting insurance for our bus this month, I just called both GMAC and Progressive today. Progressive ended up at $464 a year including $500 ded on the comp and $1000 ded on collision. They would not do an "agreed value" policy. Value for collision is actual cash value determined by the adjuster at the time of the loss. I am considering doing liability only and that was $182 year with them.

GMAC was much higher $600 year and would not cover collision unless we get an appraisal of the bus.

I also got a quote from National Interstate Insurance co and they were comparable to Progressive, with and without collision. I don't know anything about them, seems like a no name ins co.  Anyone have any experience with them??


Title: Re: Insurance
Post by: Boomer on February 06, 2013, 04:01:13 PM
National Interstate is actually a fairly large company that insures many bus companies in the US.  Lancer and National Interstate are the big players in the charter bus industry.


Title: Re: Insurance
Post by: luvrbus on February 06, 2013, 04:17:21 PM
National are heavy weights they wrote by constriction building bonds for over 20 years talk about risk a bus is nothing lol they also own Explore Insurance you see advertized in the FMCA been around since the 1800s I was told by my bonding agent


Title: Re: Insurance
Post by: Emcemv on February 06, 2013, 06:07:09 PM
Thanks luvrbus and boomer, I learn something new every day on this forum! So it would not be a bad idea to go with National Interstate. We may try to put everything under one company, (house & cars too) so progressive might be a better choice there.


Title: Re: Insurance
Post by: Eagle on February 07, 2013, 04:18:37 AM
I had my 1985 Eagle 10 insured with National at an agreed value and 1 year ago this past September it caught fire while parked in the drive way.  (Fridge) is the suspected cause.  National paid me the agreed value as I had been with them for about 8 years and no claims.  I had to have an appraisal which is no big deal.  I even got my $1000.00 deductible back since I had not had a claim in 5 years.


Title: Re: Insurance
Post by: gus on February 07, 2013, 02:55:21 PM
Eagle,

It is normal to be paid the deductible on a total collision claim.


Title: Re: Insurance
Post by: Eagle on February 08, 2013, 05:15:53 AM
Yes if your policy has the disappearing deductible clause in the policy.  Usually each year with out a claim the deductible will decrease about $100.00.


Title: Re: Insurance
Post by: luvrbus on February 08, 2013, 05:24:23 AM
Good to see you posting JCB how is the wife and the health


Title: Re: Insurance
Post by: Gerry H on February 08, 2013, 06:37:20 AM
  Went to the Progressive sponsored RV show in Mpls yesterday to see what's new. Walked up to the agent at the Progressive booth and asked about insuring a bus conversion and was told they don't insure bus conversions. Guess she has a lot to learn about her company, their website, and her job. I'm confident she will learn, as soon as she gets off her cell phone.   ::)
  Found some nice LED interior lights and stopped at the taco bar on the way home, so not a bad day, even if I didn't get the info I was looking for. Gerry H


Title: Re: Insurance
Post by: Eagle on February 08, 2013, 11:47:15 AM
Thanks Clifford for asking.  Alzheimer's is something no one should have to go through.  She is having a hard time.  She has a real hard time comprehending and understanding what people are saying to her.  We will get through this together.


Title: Re: Insurance
Post by: Chuck Hancock on February 08, 2013, 06:53:20 PM
They (Progressive) actually paid for the entire rear end rebuild including labor (little over $8,000).  I had to sign a release before the tow guy would touch it as he thought it very probably would roll over in the process of trying to get it out.  There was never a question from Progressive (albeit the repair shop did tell them the damage was "fresh" and most likely happened when pulling it sideways).   


Title: Re: Insurance
Post by: gus on February 09, 2013, 03:37:49 PM
Gerry,

She probably was in marketing and didn't have a clue about policies!