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TC Insurance questions, my current provider, USAA, is not doing a good job


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#21 Ronin

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Posted 01 August 2018 - 01:38 AM

Now, in the fine print, is there anything about a maximum amount that they will pay for damaged "cargo"?

Seems like cargo would be considered personal property which generally isn't covered on an auto policy. I agree with you that if there is coverage for personal property it would be limited to items like luggage, clothing, CDs, or vehicle emergency equipment. Then you have your deductible which would wipe most of what might be covered. Rustyshackleford55 did the right thing by obtaining a stand alone policy for his camper.


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#22 knoxswift

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Posted 02 August 2018 - 01:38 AM

Now, in the fine print, is there anything about a maximum amount that they will pay for damaged "cargo"?


I can't find any maximum on comprehensive in my papers only need to pay deductible before coverage.
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#23 knoxswift

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Posted 02 August 2018 - 02:34 AM

I called USAA maximum is by state. I'm in CA so 5k of coverage. USAA doesn't offer over coverage they would send you to a partner insurance company. So 5k is pretty good for something like a hailstorm but not for theft of the truck with the camper in it.
Rollovers don't count in the coverage so again a gap there.

Sounds like true RV coverage is the way to go.
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#24 smlobx

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Posted 02 August 2018 - 11:24 AM

I called USAA maximum is by state. I'm in CA so 5k of coverage.....So 5k is pretty good for something like a hailstorm but not for theft of the truck with the camper in it.
Rollovers don't count in the coverage so again a gap there.
Sounds like true RV coverage is the way to go.


I agree that a separate policy is the better option. Regarding the potential hail damage being covered on the trucks policy, what happens if the truck is off the camper when that happens?
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#25 knoxswift

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Posted 02 August 2018 - 01:43 PM

I agree that a separate policy is the better option. Regarding the potential hail damage being covered on the trucks policy, what happens if the truck is off the camper when that happens?

When camper is off it's covered under home owners insurance. In fact my home owners list it as rv storage and allow higher max pay but charges for it. My computers and photography gear are the same, line items on home owners.
So I'm asking my home owners if they have a camper policy today...lol.
BTW USAA wouldn't cover my house so with a different company for that.

Edited by knoxswift, 02 August 2018 - 01:44 PM.

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#26 rustyshackleford55

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Posted 07 August 2018 - 10:03 PM

Update, USAA still is giving me the run around. Having a hard time even getting them to respond. Word to the wise, get a legit policy, not something that is added to the existing truck policy.

 

I think I'm going to get legal help here soon to get my roof fixed / compensation for the hail damage.


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#27 knoxswift

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Posted 07 August 2018 - 10:16 PM

Update, USAA still is giving me the run around. Having a hard time even getting them to respond. Word to the wise, get a legit policy, not something that is added to the existing truck policy.

 

I think I'm going to get legal help here soon to get my roof fixed / compensation for the hail damage.

Show a lawyer the clause on Comprehensive in the USAA printout. To me it's very vague and you might have a case there!? Even my call with them was vague enough that I'm looking for real coverage for the camper.

1. Comprehensive covers private items I would think Cargo is part of that the camper == cargo?

2. If you have it permanently installed that's a Vehicle modification that is also covered by Comprehensive.

I think a Lawyer would like this....


Edited by knoxswift, 07 August 2018 - 10:24 PM.

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#28 patrickkidd

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Posted 10 October 2018 - 04:41 AM

For what it's worth, I was able to get insurance for my 1993 Ranger 2 on my tacoma through USAA. Very cheap ($50 for something like $7000 coverage), no problems adding it to the policy.


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#29 longhorn1

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Posted 13 October 2018 - 01:00 AM

We have USAA and have not had any issues with coverage. I have had numerous discussions and they have understood everything. I financed the camper through USAA and provided a copy of the bill of sale. I received paperwork when I paid off the loan. My camper is covered on and off the truck. We have USAA for homeowners and auto. We have never had an issue. jd
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#30 longhorn1

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    Ouch, that stings!

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Posted 13 October 2018 - 01:37 AM

I just spoke to USAA and everything is as discussed above. He said Progressive is for RV's and USAA insures pop-up campers that are in the bed of the truck as part of the truck at full coverage with the truck. Off the truck under homeowners coverage.
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