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

[Ronin]

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.

 

[knoxswift]

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.

 

[knoxswift]

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.

 

[smlobx]

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?

 

[knoxswift]

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.

 

[rustyshackleford55]

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.

 

[knoxswift]

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....

 

[patrickkidd]

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.

 

[longhorn1]

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

 

[longhorn1]

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.

 

[River_Rat]

USAA here also.

We provided the VIN to our Hawk and assured it was listed on the declarations page of the policy under the Tundra line item to show it was attached (carried by the truck). I also had to declare the camper value of 20k and this coverage was no extra cost to our annual policy. When it's off the truck it's covered under homeowner's.

 

[knoxswift]

This is what they told me as well. On further investigation coverage max is set by the state you are in.
FYI max coverage in CA would be 7k.
I have found a great pop up coverage with Miller Insurance.

 

[Advmoto18]

Hey TC friends, my current insurance provider USAA doesn't seem to have a clue what a truck camper is, how to insure it, and generally is terrible with my current hail damage claim here in Colorado.

USAA continues to ask for the vin, RV information, and refer to it as a roof top camper despite my corrections. USAA also doesn't seem to have a way to reference the camper in a claim, they keep asking if the damage was to my truck or my wife's car.

Any insurance companies you guy suggest that seem to understand what a TC is and how to cover it?

Having been with USAA for 38 years, and been down this path with my FWC Hawk, you need to call Policy Service and ask for an Underwriter. Simply provide the VIN or S/N from the camper's placard and USAA will get you set up.

A slide in camper does not get a stand-alone policy with USAA. It is covered to the limits of your auto policy. If you desire a higher limit, you can get a rider.

A flatbed, bolt-on camper is covered differently with USAA.

An underwriter will get you straightened out.

 

[knoxswift]

Having been with USAA for 38 years, and been down this path with my FWC Hawk, you need to call Policy Service and ask for an Underwriter. Simply provide the VIN or S/N from the camper's placard and USAA will get you set up.

A slide in camper does not get a stand-alone policy with USAA. It is covered to the limits of your auto policy. If you desire a higher limit, you can get a rider.

A flatbed, bolt-on camper is covered differently with USAA.

An underwriter will get you straightened out.

When I asked for a rider to cover more than 7k they wouldn't do it??

 

[Advmoto18]

When I asked for a rider to cover more than 7k they wouldn't do it??

Strange...

I had no issue. You spoke to an underwriter? A policy service rep can't help you with this, has to be an underwriter.

When I took delivery of my Hawk in 4/15, I called USAA and was told by the underwriter, the truck and camper would be covered to the limits of my auto policy. They do not need the invoice for the truck since the VIN is recorded at time manufacture, but, the original invoice and receipt for the camper would be required if I had a claim, especially a claim involving total loss. Since a total loss on the road and lack of documents in hand can be problematic, I recorded the camper invoice at the county courthouse. If I'm on the road and have a total loss, it is simply a matter of performing a quick search of county records for a certified copy of the invoice. The possible downside for some folks, this information is a public record.

I have several USAA Insurance riders. My understanding is the rider has to specify what you are covering. It will not cover the camper itself, that can only be covered by the auto policy (with USAA). The rider is for personal items/contents in the camper. Anything installed in/on the camper (ie., solar equipment, frig, etc) is considered part of the camper.

If you didn't talk to an underwriter, give USAA a call again and connect with one.

Hope it works out for you. I've never had an issue with USAA providing me with a policy/rider I desired.

 

[knoxswift]

Thanks for your input.
Yes when I spoke with USAA I was told the same. On further investigation this coverage is regulated by state. I'm in CA. What I found out was coverage would be treated as cargo under comprehensive. In CA the max is $7k. The FWC is worth much more than that so I called USAA to ask for a rider for better coverage. They declined to do this and pointed me to Progressive for RV/Camper insurance. Progressive insurance was not very effective or helpful with the pop-up and not permanently installed part of the setup.
Talking to some in my RV Club I found Miller Insurance. They knew exactly what I was talking about under $100/yr it also allows for personal effects and vacation insurance coverage...
Maybe it all depends who you get on the phone...lol

 

[Advmoto18]

Good news.

Yes, state insurance commission's set the regulations for each state in-so-far-as underwriting is concerned.

Glad you got it sorted out.

 

[River_Rat]

USAA actually owns progressive, they initially tried to steer me there but said since its "attached" to the truck its under the truck coverage

My son totaled his xterra last week and while on the phone I asked this question. They actually don't own progressive, but just recommended (use) them for things they don't insure like motorcycles & RV's. Kind of like an industry partner.

 

[Dirt Rider]

My Cal insurance broker wants to see registration or title which California does not use for campers, then they wanted a pix of the boiler plate with the info on it, and FWC did not provide or it washed off. Gave them the Ser. number, but that was not good enough, very hard to belive its this hard to insure a camper, but thats California for you.

 

[ckent323]

We have a 2007 FWC Keystone. We live in California. My truck insurance is with State Farm. Making a phone call I was able to add it onto my policy at the value I paid for it. No problem.

I get a bill for my truck and it includes an endorsement for the camper.

Coverage is only good when it is on the truck otherwise it is covered by homeowners insurance.

California it seems to me is not the problem. ;-)

Regards,

Craig