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Old 06-16-2015, 01:32 PM   #11
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just went through a TOTAL LOSS 0n 5er and $8000 damage to truck with USAA--------5er was insured on auto policy along with the truck..........60mph crosswind gust popped the 5er off , flipped on it's side in the median.........You have to pay deductibles , no it is not an act of God , you will only get $200 for contents , you will NOT get anything for relocating your property(ie; U-haul trailer) You will not get any reimbursement for lodging while being displaced while cleaning out your personal belongings. You will be sent to a 3rd party adjuster , as USAA does not adjust their own RV claims , I had to deal with 3 adjusters with the 3rd party , 5 different "adjusters" at USAA , then finally a total loss adjuster ! Since we are from Florida and accident was in South Dakota , we were literally "homeless" and far from home and on your own , it took approx. 30 days to settle the RV claim and get a new one , then had to deal with getting the truck fixed.
Been with USAA for 35 years---------am I happy? Hmmmmmmmm, Not so much.
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Old 06-16-2015, 03:51 PM   #12
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I went through Good Sam and my policy is underwritten by the Allied division of Nationwide Insurance. GS may use someone else for 5th wheels/trailers but I found their price on Class A insurance was better than everyone else that I got quotes from and benefits were at least equal to all of them. (Allstate, Progressive, Geico)
Have had no opportunity to use the policy...but I don't expect any issues if I do have a claim with Nationwide behind it.
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Old 06-16-2015, 07:45 PM   #13
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Before signing for any insurance, call an insurance broker. Compare the quotes they give you to the ones you got on your own. Since the broker doesn't actually sell insurance, you can usually be pretty sure they are getting you the best coverage at a good price. Our broker hooked us up with Progressive, and if I recall correctly, it saved us about $100 a year on our toy hauler last year.
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Old 06-16-2015, 08:02 PM   #14
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I just switched to progressive today from american family. AF did not offer total replacement. I received quotes from good sam. Exact same coverages. Progressive is $120 less a year. If I do not like them I can always switch later.
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Old 06-16-2015, 11:38 PM   #15
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Quote:
Originally Posted by 47chevy View Post
just went through a TOTAL LOSS 0n 5er and $8000 damage to truck with USAA--------5er was insured on auto policy along with the truck..........60mph crosswind gust popped the 5er off , flipped on it's side in the median.........You have to pay deductibles , no it is not an act of God , you will only get $200 for contents , you will NOT get anything for relocating your property(ie; U-haul trailer) You will not get any reimbursement for lodging while being displaced while cleaning out your personal belongings. You will be sent to a 3rd party adjuster , as USAA does not adjust their own RV claims , I had to deal with 3 adjusters with the 3rd party , 5 different "adjusters" at USAA , then finally a total loss adjuster ! Since we are from Florida and accident was in South Dakota , we were literally "homeless" and far from home and on your own , it took approx. 30 days to settle the RV claim and get a new one , then had to deal with getting the truck fixed.
Been with USAA for 35 years---------am I happy? Hmmmmmmmm, Not so much.
Spike, this is EXACTLY what I wanted to know, thank you!!!! Guess I'll be giving Good Sam a call in the morning! (Just a side note, have some family in the Wewa area, most is in Vernon/Chipley!)
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Old 06-17-2015, 04:44 AM   #16
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We had a Rockwood Popup that got totaled last Labor Day weekend. We were out of town at a family wedding and the pop up was roadside at home. A drunk driver came thru our neighborhood and completely demolished the trailer. Luckily no one was hurt. We have USAA, and had Progressive as our RV Insurance for the pop up with Total Loss Replacement.

The Drunk Driver also had Progressive and it seemed to make the process go faster. Within 2 weeks we had a check for the entire purchase price of the pop up less our deductible due to the driver not having enough property damage liability. Progressive went after him for our deductible and sent us a check for that when he paid as well. Since the original claim had been under our policy, we also were also to submit for our contents in addition.

All in all, I was very impressed with the prompt service from Progressive under USAA and I won't hesitate to use them again when we purchase our upcoming 5ver.
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Old 06-17-2015, 12:12 PM   #17
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I wouldn't purchase from Progressive and support George Soros.
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Old 06-18-2015, 12:33 AM   #18
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We have USAA, Had no problem getting our 5er insured with them, we have had our home and car
insured for a number of years.

My DW and I were involved in a accident last year,
totaled are car do to the fault of the other driver
who pulled in front of us. USAA has handled
everything with just two adjuster's, they have been very good to us and continue to support us
after a year and a half while we fight thought
doctors appointments and mending.

We did not get total replacement value but did get the high
end of blue book which I was happy with and
enough to put ninety percent down on a new car.
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Old 06-19-2015, 07:08 PM   #19
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18 months ago, we had some water damage to our Stealth toy hauler that wasn't (but should have been) covered by our Cornerstone extended warranty. Progressive paid for everything except the deductible, and then went after Cornerstone to recover on the claim. After 12 months, they had to give up on those efforts, but we were really impressed with how long and how hard they tried to recover the money. Our learning was to never use Cornerstone again, and we went with Progressive when we bought the MH and sold the TH.
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Old 06-25-2015, 07:58 AM   #20
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I'm a USAA member and bought a travel trailer in April. USAA added to my policy with no problem.
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