RV Alliance America

[al chernoff]

A suggestion for you Patrick. I went to Cinnibar and sent them all the info on
upgrades, pictures etc, and they established the replacement value. Was real
easy as RVAA accepted their numbers for repalecement. This worked real well to
my advantage.
my .02.
al

> I'm making a bunch of changes to my personal insurance - moving homeowners
> and auto to a new company and getting a new PEL policy. Thought this would
> be a good time to call RVAA(800.521.2942) and move the GMC to them(I totally
> confused the agent at my new auto company trying to explain the GMC).
>
> Got a couple surprises along the way. Turns out the agent at RVAA didn't
> know what a GMC is either. My quote came in for a GMC 4104. Called her
> back to explain that it's not a bus. After telling her that it's front
> wheel drive and all the VIN's start with TZE, she called the Royal
> underwriter and he(or she) knew what it is, so we got past that.
>
> The annual premium was a few dollars more than my present company, but the
> coverage is *much* better. Instead of 50/100/300 limits, I now have a
> "smooth" $500,000 liability limit. Also their "Plus II" endorsement
> features unlimited towing and roadside assistance and a host of other
> "enhancements" and Agreed Value coverage is available to respond to the
> unique nature of the GMC(I already knew this, but mention it for the benefit
> of any newbies).
>
> This is not something to be done on the spur of the moment tho' as you'll
> need an appraisal(for the Agreed Value coverage), a mechanics statement of
> condition(RVAA provides the form), two interior and two exterior photos and
> a copy of the original bill of sale.
>
> Luckily, I've got until April on the Auto policy. It's the Homeowners
> that's up next week.
>
> BTW, I have no affiliation with RVAA other than being a potential new
> customer. Just thought I'd mention this for the benefit of those
> considering moving their GMC insurance to them. I'll update this later to
> let everyone know how it works out and how RVAA's service after the sale
> scores.
>
> Patrick

 

[blank]

I'm making a bunch of changes to my personal insurance - moving homeowners
and auto to a new company and getting a new PEL policy. Thought this would
be a good time to call RVAA(800.521.2942) and move the GMC to them(I totally
confused the agent at my new auto company trying to explain the GMC).

Got a couple surprises along the way. Turns out the agent at RVAA didn't
know what a GMC is either. My quote came in for a GMC 4104. Called her
back to explain that it's not a bus. After telling her that it's front
wheel drive and all the VIN's start with TZE, she called the Royal
underwriter and he(or she) knew what it is, so we got past that.

The annual premium was a few dollars more than my present company, but the
coverage is *much* better. Instead of 50/100/300 limits, I now have a
"smooth" $500,000 liability limit. Also their "Plus II" endorsement
features unlimited towing and roadside assistance and a host of other
"enhancements" and Agreed Value coverage is available to respond to the
unique nature of the GMC(I already knew this, but mention it for the benefit
of any newbies).

This is not something to be done on the spur of the moment tho' as you'll
need an appraisal(for the Agreed Value coverage), a mechanics statement of
condition(RVAA provides the form), two interior and two exterior photos and
a copy of the original bill of sale.

Luckily, I've got until April on the Auto policy. It's the Homeowners
that's up next week.

BTW, I have no affiliation with RVAA other than being a potential new
customer. Just thought I'd mention this for the benefit of those
considering moving their GMC insurance to them. I'll update this later to
let everyone know how it works out and how RVAA's service after the sale
scores.

Patrick

 

[david l greenberg]

>BTW, I have no affiliation with RVAA other than being a potential new
>customer. Just thought I'd mention this for the benefit of those
>considering moving their GMC insurance to them. I'll update this later
to
>let everyone know how it works out and how RVAA's service after the sale
>scores.
>
>Patrick

While everyone most likely has their favorite indurance broker/ carrier;
RVAA only insures RVs and they know their business.

I have used them for 25 years and they have never let me down and have
consistently beat all competitors. And now with agreed value you can''t
go wrong.

David Lee Greenberg
GMC Motorhome Registry
200 MacFarlane Drive
Delray Beach, FL 33483-6829
www.gmcss.com/registry.htm

 

[blank]

I'm wondering if any of you who have coverage placed with RVAA were asked to
get a mechanic's inspection done? I suspect that this was included because
the agent thought I had a GMC bus conversion. Just checking.

Thanks,
Patrick

 

[bdub]

Hi Patrick

I had to submit this inspection from a qualified mechanic for RVAA
Insurance. First time I'd ran into this. No problem though. I just
handed the kid at the shop $5.00 and he happily filled in and signed the
form.

bdub

>I'm wondering if any of you who have coverage placed with RVAA were asked to
>get a mechanic's inspection done? I suspect that this was included because
>the agent thought I had a GMC bus conversion. Just checking.
>
>Thanks,
>Patrick

 

[philip l. stewart]

I'm wondering if any of you who have coverage placed with RVAA were asked to get
a mechanic's inspection done? I suspect that this was included because the
agent thought I had a GMC bus conversion. Just checking.

Patrick, when I called RVAA last week the first time, the lady who answered also
said that a "mechanic's inspection" was required along with an appraisal by a
"certified appraiser". She didn't know if Jim Bounds met the second requirement
or not but that ADP would be accepted. After chewing on that information a
while I called a second time. Then another lady told me that all I needed was
an appraisal by someone who could judge the value of a GMC motorhome and that
RVAA did not have a list of "certified appraisers". She said that Jim Bounds
would be acceptable to them since he had once worked for Golby. So it appears
that it depends on whom you are talking to at RVAA on this issue for the answer
you get. I don't like a company that gives two different answers to the same
question. None the less, I plan to ask Jim for the appraisal and see what
happens after that.
Phil Stewart
'76 Transmode, TN

>

 

[david l greenberg]

On Wed, 2 Feb 2000 14:02:47 -0600
writes:
>I'm wondering if any of you who have coverage placed with RVAA were
>asked to
>get a mechanic's inspection done? I suspect that this was included
>because
>the agent thought I had a GMC bus conversion. Just checking.
>
>Thanks,
>Patrick
Perhaps it is something new or as you suggested they thought you have a
bus.

I was never asked!

David Lee Greenberg
GMC Motorhome Registry
Dedicated to the preservation of the Classic GMC
www.gmcss.com/registry.htm

 

[al chernoff]

nope...just a note from cinnibar was all i needed.
al

> I'm wondering if any of you who have coverage placed with RVAA were asked to
> get a mechanic's inspection done? I suspect that this was included because
> the agent thought I had a GMC bus conversion. Just checking.
>
> Thanks,
> Patrick

 

[blank]

> So it appears that it depends on whom you are talking to
> at RVAA on this issue for the answer you get. I don't
> like a company that gives two different answers to the
> same question.

I know what you mean. Working in the insurance industry makes me
"hypersensitive" to this sort of thing too. RVAA has the reputation of
being an "authority" on insuring GMC's. When I got the fax from their agent
and saw my coach was listed as a "GMC 4104", a little alarm went off in my
head. Then I thought, "could be an honest mistake - maybe I didn't make it
clear". I called the agent back(actually I called back and the same agent
answered) and explained. If became obvious in less than 10 seconds that she
didn't have a clue(no not one) what I was talking about. I tried again,
telling her "It's one of the front wheel drive motorhomes manufactured by
General Motors from 1973 to 1978. All the VINs begin with TZE." This
didn't help either. She put me on hold and called the underwriter at
Royal/SunAlliance. When she came back on the line, she assured me that the
underwriter "was familiar with the TZEs" and that the quote was still good
for my coach.

As an underwriter myself, it's more important to me that the company
underwriter knows what he/she is doing, but I would feel more comfortable if
the agent was more "up to speed" than this one appeared to be. To be fair
though, these telephone "agents" are usually CSRs that have likely gone thru
a "Weekend Wonder" state licensing program and probably have a fairly high
turnover rate. The level of experience will vary greatly.

> None the less, I plan to ask Jim for the appraisal
> and see what happens after that.

Phil, my read on this is once you have the appraisal from Jim, submit it to
RVAA. If they or the underwriter don't object within 30 days, you're all
set. You've submitted the documentation that they requested and it's up to
them to dispute it withing a reasonable time frame.

BTW, for the record, RVAA is NOT an insurance company. They are an
insurance agency(a "middleman"). Depending on the state your vehicle is
registered in, your quote will either be from Royal/SunAlliance or
Progressive. My quote was from "American and Foreign Insurance Company"
which is a Royal/SunAlliance subsidiary.

Disclaimer - The above represents my personal opinion and is not the opinion
of my employer or its parent companiess.

Patrick

 

[thomas g. warner]

Just received my estimate and papers from RV alliance to insure my 1976 GMC
Palmbeach. Was already to sign and return the papers when i noted that in
New York State unlimited towing and related labor costs are limited to
$250/per occurrence. What a joke who would tow a GMC for $250? Is there
anyone else on the net from New York that has this kind of RV alliance
restriction? RV Alliance when contacted told me that New York state put this
restriction on their policys. Hard to believe.

 

[blank]

Tom,

What they're telling you is possible. For a second opinion, you might want
to call Miller RV Insurance. Their web site is at:

http://www.millerrvinsurance.com/

Their name came up in some research I'm doing on RV Alliance America. They
do the same thing as RVAA except they don't advertise as much. Also I
understand that they don't do regular auto - just the RV, where RVAA will
place regular auto also.

Patrick

> -----Original Message-----
> From: Tom Warner [mailto:warner]
> Sent: Friday, February 04, 2000 1:29 AM
> To: gmcmotorhome
> Subject: RE: GMC: RV Alliance America
>
>
> Just received my estimate and papers from RV alliance to
> insure my 1976 GMC
> Palmbeach. Was already to sign and return the papers when i
> noted that in
> New York State unlimited towing and related labor costs are limited to
> $250/per occurrence. What a joke who would tow a GMC for
> $250? Is there
> anyone else on the net from New York that has this kind of RV alliance
> restriction? RV Alliance when contacted told me that New York
> state put this
> restriction on their policys. Hard to believe.
>

 

[thomas g. warner]

Thanks Patrick just called them at the 1-800 number and they are checking on
my insurance right now. They insure thru the same companies that RV
alliance does.

>Tom,
>
>What they're telling you is possible. For a second opinion, you might want
>to call Miller RV Insurance. Their web site is at:
>
>http://www.millerrvinsurance.com/
>
>Their name came up in some research I'm doing on RV Alliance America. They
>do the same thing as RVAA except they don't advertise as much. Also I
>understand that they don't do regular auto - just the RV, where RVAA will
>place regular auto also.
>
>Patrick
>
>> -----Original Message-----
>> From: Tom Warner [mailto:warner]
>> Sent: Friday, February 04, 2000 1:29 AM
>> To: gmcmotorhome
>> Subject: RE: GMC: RV Alliance America
>>
>>
>> Just received my estimate and papers from RV alliance to
>> insure my 1976 GMC
>> Palmbeach. Was already to sign and return the papers when i
>> noted that in
>> New York State unlimited towing and related labor costs are limited to
>> $250/per occurrence. What a joke who would tow a GMC for
>> $250? Is there
>> anyone else on the net from New York that has this kind of RV alliance
>> restriction? RV Alliance when contacted told me that New York
>> state put this
>> restriction on their policys. Hard to believe.
>>
>
>

 

[whatt]

> > So it appears that it depends on whom you are talking to at RVAA on this issue for the answer you get. I don't
> > like a company that gives two different answers to the same question.

I guess we lucked out! We currently have insurance through Foremost, but they have been going up every year without increasing the covered amount. They started lower than RVAA (then Alexander & Alexander) by about $200, but now stand at almost $550 for only $12K coverage!! On top of that, Foremost has been sold to
State Farm...I was told they wouldn't change their name (?) Of course, where one asks for the coverage has a direct impact on the premium, but we normally gagaged this baby outside the high risk county where we reside, so this was the lowest price available in this area. (Now of course it is at Jim B's garage....)

Anyway, first call to RVAA put us in touch with a lady who, upon being told this request for bid was on a '76 GMC motorhome immediately asked if this was one of the Classic series. Told that was so, she replied "Give me a minute...I need to get to my "Classic" screen..." That was very reassuring...that they have set
up a separate "screen" for the TZE's! She gave all the info, including towing to a "qualified GMC" repair location, and that the coverage amount would go up automatically for the same price each year we didn't have a claim. They will require a statement (with pics) on improvements made to justify whatever level of
coverage we choose, but this can be supplied by the person/company doing the work.

A Henderson
http://gmc76.tripod.com/

 

[thomas g. warner]

Em even that coverage of a decreasing deductible is not availble in new york

>

>
>each year we didn't have a claim. >>
>
>They also have a policy that if you don't have a claim in "X" number of years
>they waive the deductible. Last year I had a "gravel shower" on I-25 and it
>badly cracked/chipped my original windshields. Called RV-Alliance (Royal
>Globe Insurance) and they said to bring it to where ever I wanted and send
>them the bill and they would waive the deductible. I brought it to Osborn's
>and had to pay a $1400.00 bill. I sent it in and got my full refund within
>10 days.
>
>This was especially nice since my windshields had the white discoloration
>around the edges of the glass that is typical of the original windshields.
>They look a whole lot better now.
>
>Emery Stora
>77 Kingsley
>Santa Fe, NM
>
>

 

[david l greenberg]

>same price
>each year we didn't have a claim. >>

This is new to me. How much does it increase? I would have guessed the
coverage would remain the same unless it were reappraised for me. Are you
thinking about the disappearing deductible?

>They also have a policy that if you don't have a claim in "X" number
>of years
>they waive the deductible.

The disappearing deductible decreases by 25% each year you don't have a
loss or make a claim. Eventually you get close to no deductible.

Last year I had a "gravel shower" on I-25 and it
>badly cracked/chipped my original windshields.

By Florida law there can be no deductible for windshield damage. So
regardless of your current deductible amount windshield R/R is paid in
full. I would guess this is not unique to Florida but perhaps not every
state has such a law.

This has been my expreience.

David Lee Greenberg
GMC Motorhome Registry
Dedicated To The Preservation Of The GMC Classic!
www.gmcss.com/registry.htm