Home | Links | Contact Us | Bookmark
Financial Forum Search :
   Homepage      News      Financial Topics     Finance Directories      Financial Forum      Dictionary  
Financial Forum    Insurance
Finance Discussion Forum

 How much homeowner's insurance do I need?
I am purchasing a peice of property and a modular home that is not new, it is maybe 10 years old. I am doing the whole owner finance/contract for deed deal so I am having to pay 120,000 for the ...


 Medicare Part A and B question?
This is a question for my mother. She will be entitled to Medicare part A and B this November. Supplements that we looked into are not good for her because she has cancer at age 57 and the ...


 Would you buy a book that educates people about insurance contracts?
If there was a short and understandable book available, would you pay anything for it?...


 Is buying Long Term Care insurance a good idea at 70 years old and in excellent health?
...


 How can one avoid paying flood insurance?
Suppose your bank makes you buy flood insurance, but you don't want to pay the extra thousands of dollars?...


 Insurance or just get glasses without insurance?
what is cheaper? i am the only one in my family who might have to get glasses. i want to get glasses, contacts, and colored contacts....


 Can someone get life insurance on you w/out you knowing about it?
Like if your partner took a life insurance policy on you, paid it but, w/out you knowing you even have it....


 Refused health insurance!?
My mom has a friend that has serious medical conditions.She recently got a check up and they told her she needs to go through surgery.
She's a U.S citizen! 30 yrs. old and they have refused ...


 Is variable universal life insurance a good alternative to college savings plan? It is confusing!!!?
...


 Under what circumstances will homeowners insurance generally pay for a new roof?
I would like to know under what circumstances , if any, will homeowners insurance pay for a new roof? We have friends that told us a roofer looked at theirs a few years ago and said it had hail ...


 Who can be a good Insurance Agent.?
...


 What are some companies I can get renter's insurance from?
I'm looking for some fairly inexpensive renters insurance. I don't want State Farm and Progressive doesn't offer it here. I live in New York state. Thanks :)...


 Just laid off. Does my insurance with the company end the same day or do I have 30 days from lay off.?
...


 My wife is canadaian moving to US has kidney disease can she go on my insurance with this condition.?
...


 Affordable insurance w/ NO deductible and low premium?
I need you to tell me names of insurance not quote sites cuz they don't help. i need one for 2 ppl a mom and daughter. it shouldnt have a deductable or be more that 200 monthly.
Additional ...


 KFC IN SEASIDE WONT GIVE ME NO INSURANCE INFORMATION OR HELP FOR VETERINARIAN FOR MY HUSKY.?
KFC IN SEASIDE OREGON I ORDERED 4 BQ SANDWICHES . ONE FOR ME AND THREE FOR MY PET, LAST TIME WE EAT THEIR. ANYONE PLEASE HELP....


 Are we getting a check after bailout is passed?
...


 When should I buy long term care insurance?
...


 If I get pregnant the month before maternity insurance is active will I still be covered?
I have an individual plan with my husband for BCBS of IL. I have to wait 12 months for my maternity insurance to become active. If I was to become pregnant the month (approx. 1-2 weeks) before my ...


 Bank accounts are insured up to $100,000 if the bank fails how will everyone ever see there money?
Who is this money protected by? If the bank fails that will mean more then one is and how will everyone get the 100,000 they are insured for. If they print the money which they could wouldn't ...



carriebeary
Will insurance cover this?
Ok I am drawing a blank on this, and whats sad is I should know this answer. We have a travel trailer, our travel trailer policy covers for comp but not collision cause we were at a permanent lot, but this weekend we had to move it cause of changes being made to the lot. We didn't call ahead to add collision coverage, but while moving the trailer out, my hubby hit the water line and electrical box at the resort, causing the lines to break and a big dent in our travel trailer. I am thinking that the travel trailer insurance won't cover it, but will it be covered under our auto since our auto was covered under another policy and was pulling the trailer at the time? It is a 37 foot camper and we have collision coverage on our vehicle. It would at least cover the liability for the resort right? Thanks.
                     
 




bundysmom
Rating
First you need to read BOTH your travel tailer policy AND your auto policy. Read the sections for liability and collision under each, as well as the exclusion section for each coverage.
Guaranteed your comp coverage on the travel trailer will not apply.

Second any questions you have about coverage should be answered by the CLAIMS department, NEVER your agent--they don't know the answers primarily because they do not pay the claims nor are they aware of insurance law, they just sell policies. Their answer is generally "Oh don't worry it's covered," which only causes undue stress on you when you find out something ISN'T covered. When you ask the question to CLAIMS, unless you plan on filing an actual claim, always pose it as a HYPOTHETICAL as most states DOI require whenever notice of claim is received they are required, whether you like it or not, to open a claim under your policy.

THIRD, and this may be your best option, is to file a claim with BOTH policies and let the claims department investigate the situation and determine applicable coverages. They are the experts and if this is a situation of dual coverage they will work it out with involved carriers.

The most general answer I can give you: if your auto policy does not list attached trailers as an exclusion under your LIABILITY coverage then you should be fine. Same with the collision portion of the policy. If your travel trailer policy has liability, that would be your primary coverage and your auto policy would pay secondary.


LesElle
If you have no collision coverage on the trailer, I'm afraid you're out of luck. Coverage does not extend from your auto to the trailer when it comes to comp and collision. The liability coverage, on the other hand, should not be a problem. You should be OK to fix the water line and electrical box. Good luck.


I need more COWBELL®
Rating
i THINK auto will cover it since it was hooked to your vehicle and was moving when the accident occured.


mei-lin
Rating
You cannot be liable for damage to yourself(your camper). However, call your agent because the damages you caused to the resort should be covered by the auto liability.


Loollea
the liability from your auto will extend to the Trailer to repair the damages you caused but you do not have coverage for the damage to your trailer, as it should have carried it's own coverage


mbrcatz
Rating
The damage to the water line & electrical box that you hit, should be covered under your auto policy, the liability section.

The damage to your trailer will NOT be covered under the auto policy.


 Enter Your Message or Comment


User Name:  
User Email:   
Post a comment:







Archive: Forum -Forum -Finance - Links - 1 - 2 - RSS - All RSS Feeds
The Causes and the Results. 0.024
Copyright (c) 2011 Financial Crisis Monday, May 28, 2012 - Terms of use - Privacy Policy