Originally Posted by steeljag
I'm confused about this? You backed your trailer into your house (property), you,or someone notified the police? who responded and wrote a citation ?
No DL 'points' (Insurance Companies don't really care what Cops think anyway) but he's being charged with an 'at fault' accident by the Insurance Company. And it will go on a National Exchange where all Insurance Companies share information.
Motorized RVs cost more because they have to have Liability, UM, Medical etc that towables do not.
A towable simply uses the TV's Liability, etc.
For my new 29HFS, I'm paying $109 every 6 months -- $500 Ded Collision, $250 Comprehensive.
On the Motorized RVs, will they allow you to 'suspend' coverage? That's where you take off all the coverages you don't need when it's sitting like Liability, Collision, Medical, Uninsured Motorists, etc while leaving fire, theft (comprehensive) on it and whatever your State requires to keep your tag legal. In some States, it isn't worth bothering with, in others.........
Gotta be careful your Bank doesn't have a Nervous Breakdown, though. Some of them can get real prickly about taking off Collision even if it's sitting.