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Author Topic:   Check your insurance

BQUICK posted 03-10-2014 01:35 PM ET (US)
My insurance cancelled me after an accident where I was towing. They did not have to pay out as it was other person's fault. But once they found out I was towing a trailer they cancelled me.....after 32 years of NO CLAIMS.
Apparently somewhere in the policy it says towing not allowed unless you let them know in advance and it gets noted on the policy.
dgoodhue posted 03-10-2014 01:44 PM ET (US)
Who was your insurance carrier?
BQUICK posted 03-10-2014 01:52 PM ET (US)
Foremost
Tom Hemphill posted 03-10-2014 05:30 PM ET (US)
Thank you for sharing your bad experience. I just checked, and my policy seems to explicitly include a trailer attached to the insured vehicle.
I hope your policy was at least inexpensive while you had it.
Buckda posted 03-10-2014 06:29 PM ET (US)
What do you use as a tow vehicle?
mkelly posted 03-11-2014 02:29 AM ET (US)
Another insurance company not stepping up, thanks for the post, I'll check into mine.
BQUICK posted 03-11-2014 02:29 PM ET (US)
1988 Suburban, I assumed that I could tow with it. Has factory tow package.
BQUICK posted 03-11-2014 02:31 PM ET (US)
What gets me is that the whole policy was cancelled. The Suburban is in the junkyard and the others are cars without tow hitches.
hauptjm posted 03-12-2014 01:41 PM ET (US)
BQUICK, contact the Rhode Island Insurance commissioner's office and find out the RI rules for cancelling a policy. Every state is unique and just because they are a "big, bad insurance company" doesn't mean they always operate by the rules.
We have had companies try a multitude of nefarious things since Katrina, only to be slapped back to following the rules after a call from the Commish.
They (insurance companies) seem to all follow the old, "it can't hurt to try and if I get caught, I'll back off."
Probably won't produce a desired result, but it's worth a try.
pcrussell50 posted 03-13-2014 05:21 PM ET (US)
Just a data point:
I have usaa auto insurance. When I bought my first ever boat, 5 1/2 years ago, it had a cheap rusty trailer whose axle collapsed 100 miles from home, halfway to my destination. USAA dispatched a flat bed, which tilted down and dragged my stricken boat and trailer up onto it and towed it to a repair shop. No questions asked. No cancellations or rate increases. Now, I only paid $750 for the whole boat and trailer, so I could just as well have walked away and abandoned it and not lost sleep over it. I ended up buying a brand new galvanized trailer for $1500. Overkill for that little boat, but the new owner (I sold it three years ago and replaced it with my 13 foot classic Whaler), is a hardcore ocean fisherman and is glad to have the galvy.
-Peter
bkjones posted 03-15-2014 07:42 PM ET (US)
I handle claims for a living (sure, I guess I'm the big bad insurance company) and I've never heard of a company drop anyone because they were towing, nor have I ever seen a policy where towing is not allowed, unless it is maybe some sort of collector vehicle policy that is ridden with restrictions on what you can and can't do, but I doubt that is what you had with a 1988 Suburban.
I would check with the DOI for your state, but as previously mentioned, there are restrictions as to when companies can cancel or non-renew you. If Foremost is telling you that you were cancelled specifically for this towing incident, then I would get your policy out and find out where it mentions that you can't tow.
swist posted 03-16-2014 12:08 PM ET (US)
This only thing that might be confusing this is that if you tow commercially, you probably need separate coverage.
But I don't see how that applies here.

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Author	Topic: Check your insurance
BQUICK	posted 03-10-2014 01:35 PM ET (US) My insurance cancelled me after an accident where I was towing. They did not have to pay out as it was other person's fault. But once they found out I was towing a trailer they cancelled me.....after 32 years of NO CLAIMS. Apparently somewhere in the policy it says towing not allowed unless you let them know in advance and it gets noted on the policy.
dgoodhue	posted 03-10-2014 01:44 PM ET (US) Who was your insurance carrier?
BQUICK	posted 03-10-2014 01:52 PM ET (US) Foremost
Tom Hemphill	posted 03-10-2014 05:30 PM ET (US) Thank you for sharing your bad experience. I just checked, and my policy seems to explicitly include a trailer attached to the insured vehicle. I hope your policy was at least inexpensive while you had it.
Buckda	posted 03-10-2014 06:29 PM ET (US) What do you use as a tow vehicle?
mkelly	posted 03-11-2014 02:29 AM ET (US) Another insurance company not stepping up, thanks for the post, I'll check into mine.
BQUICK	posted 03-11-2014 02:29 PM ET (US) 1988 Suburban, I assumed that I could tow with it. Has factory tow package.
BQUICK	posted 03-11-2014 02:31 PM ET (US) What gets me is that the whole policy was cancelled. The Suburban is in the junkyard and the others are cars without tow hitches.
hauptjm	posted 03-12-2014 01:41 PM ET (US) BQUICK, contact the Rhode Island Insurance commissioner's office and find out the RI rules for cancelling a policy. Every state is unique and just because they are a "big, bad insurance company" doesn't mean they always operate by the rules. We have had companies try a multitude of nefarious things since Katrina, only to be slapped back to following the rules after a call from the Commish. They (insurance companies) seem to all follow the old, "it can't hurt to try and if I get caught, I'll back off." Probably won't produce a desired result, but it's worth a try.
pcrussell50	posted 03-13-2014 05:21 PM ET (US) Just a data point: I have usaa auto insurance. When I bought my first ever boat, 5 1/2 years ago, it had a cheap rusty trailer whose axle collapsed 100 miles from home, halfway to my destination. USAA dispatched a flat bed, which tilted down and dragged my stricken boat and trailer up onto it and towed it to a repair shop. No questions asked. No cancellations or rate increases. Now, I only paid $750 for the whole boat and trailer, so I could just as well have walked away and abandoned it and not lost sleep over it. I ended up buying a brand new galvanized trailer for $1500. Overkill for that little boat, but the new owner (I sold it three years ago and replaced it with my 13 foot classic Whaler), is a hardcore ocean fisherman and is glad to have the galvy. -Peter
bkjones	posted 03-15-2014 07:42 PM ET (US) I handle claims for a living (sure, I guess I'm the big bad insurance company) and I've never heard of a company drop anyone because they were towing, nor have I ever seen a policy where towing is not allowed, unless it is maybe some sort of collector vehicle policy that is ridden with restrictions on what you can and can't do, but I doubt that is what you had with a 1988 Suburban. I would check with the DOI for your state, but as previously mentioned, there are restrictions as to when companies can cancel or non-renew you. If Foremost is telling you that you were cancelled specifically for this towing incident, then I would get your policy out and find out where it mentions that you can't tow.
swist	posted 03-16-2014 12:08 PM ET (US) This only thing that might be confusing this is that if you tow commercially, you probably need separate coverage. But I don't see how that applies here.