|
Post by tothewall on Jul 30, 2009 12:15:00 GMT -4
This: Now on another note I also was informed that if you roll and write your vehicle off while wheeling or run it into someone else or a tree or a rock, it is counted as a collision and would be covered under your collision and/or comprehensive insurance. Apparently WHERE the collision happens is not important. Someone was covered as he successfully argued that damage from a roll into a ditch is covered so off road is off road no matter how FAR off the road you are. I was unaware of this and was very happy to learn this. What really happens: It is not SPECIFICALLY forbidden, but you are doing something "outside normal usage" which puts you into a grey area that you CAN fight, but it would be expensive, and if the insurance company is facing 100's of 1000's of $$$ in claims of liability, they will fight to the bitter end. IF they lose and have to pay... When you come to renew you will be dropped and a Facility client for the foreseeable future. COMPLETELY UNRELATED one to the other... I asked this. A collision is a collision. No grey area here. Please do not confuse this Jan. Driving your vehicle is what you are expected to do with it. If you damage it while you are driving it you are covered. No matter where you are driving it.
|
|
Enos
Hardcore
Founding Member
Posts: 8,513
|
Post by Enos on Jul 30, 2009 12:18:08 GMT -4
From the U-haul site (haven't found anything on insurance coverage yet for towed vehicles. The first point is interesting:
Your towing vehicle: Must be equipped with a hard top if it is an SUV. U-Haul does not allow any type of sport-utility vehicle not equipped with a hard top to tow U-Haul equipment. Must weigh at least 3,500 lbs. (curb weight), and must equal or exceed 80% of the combined weight of the trailer (2,210 lbs.) and the vehicle being towed (up to 5,290 lbs.). Must have a towing system that has a 5,000 lbs. minimum weight-carrying rating Must have 1-7/8", 2" or 2-1/8" hitch ball (5,000 lbs. minimum) Must not exceed maximum allowable hitch ball height 25" Must have external mirrors on both sides Must have fully operational lighting Auto transport lighting must be operational at all times, day and night, loaded or unloaded Maximum recommended speed is 55 MPH
The vehicle being towed: Must not weigh in excess of 5,290 lbs. Must have a maximum outside-to-outside tire width of 79.25" Note: outside tire width over 75" must use late-model U-Haul Auto Transport (identifiable by silver galvanized color). Must have a maximum wheelbase (distance from front axle to rear axle, usually posted on the driver's side door jamb) of 133 inches. Low-hanging equipment on the vehicle being towed such as spoilers, air dams, ground effects, etc., may be damaged by contact with the Auto Transport during loading and unloading. Make sure there is enough clearance for these items.
|
|
Creepy
Administrator
Dartmouth
Posts: 18,718
|
Post by Creepy on Jul 30, 2009 12:44:21 GMT -4
COMPLETELY UNRELATED one to the other... I asked this. A collision is a collision. No grey area here. Please do not confuse this Jan. Driving your vehicle is what you are expected to do with it. If you damage it while you are driving it you are covered. No matter where you are driving it. I'm not confused...i just don't beleive it. for the reasons in the 2nd quote.
|
|
|
Post by DamnJeep on Jul 30, 2009 12:45:59 GMT -4
So the point of the matter is your trailer has coverage under your tow rigs insurance. BUT if you have an uninsured vehicle of some sort ON the trailer there is NO coverage for that vehicle and any/all damage that may occur if there were an accident.
Living in a box.
Sound right? So you HAVE to have insurance on whatever you are towing (truck, car etc) not to get screwed. Which would be fine for street driven vehicles but not that parts truck you just picked up.
And if you tow someone elses vehicle on your trailer even if it is insured and there was an accident THEIR insurance would cover but more that likely they will sue you to get their money back.
Back into the box you go...
|
|
|
Post by tothewall on Jul 30, 2009 12:53:15 GMT -4
COMPLETELY UNRELATED one to the other... I asked this. A collision is a collision. No grey area here. Please do not confuse this Jan. Driving your vehicle is what you are expected to do with it. If you damage it while you are driving it you are covered. No matter where you are driving it. I'm not confused...i just don't beleive it. for the reasons in the 2nd quote. I did not say YOU were confused. I was saying you were confusing the issue. LOL I specifically asked the guy about off road usage. He said that if you take your vehicle off the road and roll it, as far as the company is concerned you are covered. For the simple reason that a ditch is off the road. You go from on the road to off the road when the accident happens. The time elapsed between when you leave the road (ie milliseconds or hours) and when the rollover happens or the distance you actually get off the road is not important... Its the damage that results from the collision that you have insurance for. Make better sense?
|
|
Creepy
Administrator
Dartmouth
Posts: 18,718
|
Post by Creepy on Jul 30, 2009 12:55:06 GMT -4
Rico - that sounds like the summary we need.
This all seems to revolve around the vehicle on the trailer coming off and causing injury, which is highly unlikely if you tied it down. I don't feel a huge risk hauling something i don't own after seeing this info. its hype! lol
|
|
|
Post by tothewall on Jul 30, 2009 12:57:20 GMT -4
Damn the hype!!
|
|
|
Post by ©Big6™ on Jul 30, 2009 12:59:08 GMT -4
If the vehicle you are towing on a trailer comes off, or any part of it, expect a ticket from the Mounties for having an unsecured load!
|
|
Creepy
Administrator
Dartmouth
Posts: 18,718
|
Post by Creepy on Jul 30, 2009 12:59:55 GMT -4
The time elapsed between when you leave the road (ie milliseconds or hours) and when the rollover happens or the distance you actually get off the road is not important... Its the damage that results from the collision that you have insurance for. Make better sense? No. Driving into the ditch off the road is an accident. driving on an unimproved road/trail is a completely different senario with much higher risks, and i simply do not believe what you are being told is how it would play out. these agents don't set the rules, they try to guess what will happen by their expereince, and tell you what might happen when their giant corporate machine gets hold of your claim. they are salesmen, you are being sold what you want to hear, and the end result will not be the same if you had a claim.
|
|
Creepy
Administrator
Dartmouth
Posts: 18,718
|
Post by Creepy on Jul 30, 2009 13:04:18 GMT -4
A note on the Uhaul for Enos - the trailer is rented to ONLY be towed behind the vehicle you pick up the trailer with. They go over the weight ratings of the vehicle, and check your hitch real close.
You can buy insurance from them for $9/day that covers any and all instances of accident relating to your tow.
|
|
|
Post by tothewall on Jul 30, 2009 13:09:29 GMT -4
The time elapsed between when you leave the road (ie milliseconds or hours) and when the rollover happens or the distance you actually get off the road is not important... Its the damage that results from the collision that you have insurance for. Make better sense? No. Driving into the ditch off the road is an accident. driving on an unimproved road/trail is a completely different senario with much higher risks, and i simply do not believe what you are being told is how it would play out. these agents don't set the rules, they try to guess what will happen by their expereince, and tell you what might happen when their giant corporate machine gets hold of your claim. they are salesmen, you are being sold what you want to hear, and the end result will not be the same if you had a claim. No. Being told what you want to hear and being lied to in the face of a direct, recorded question are two totally different things. I directly asked if I rolled the Jeep while wheeling would I be covered under my collision. Yes. An accident is an accident and a collision is a collision. The place where it happens not the issue. The damage is.
|
|
Dewie
Jeeper
Junk Lord
Yeah thats right - I drive a Lada :P
Posts: 1,249
|
Post by Dewie on Jul 30, 2009 13:17:20 GMT -4
I'd be curious to see what actually happens if you put in a claim...
|
|
|
Post by tothewall on Jul 30, 2009 13:28:25 GMT -4
I have it coming in writing that the LOCATION and the TIMING of the accident are NOT mentioned as coverage disqualifiers.
|
|
Creepy
Administrator
Dartmouth
Posts: 18,718
|
Post by Creepy on Jul 30, 2009 13:40:13 GMT -4
I remain unconvinced. lol
|
|
|
Post by tothewall on Jul 30, 2009 13:45:22 GMT -4
I remain unconvinced. lol I expect nothing less. ;D Fax just arrived. Your tax dollars at work.
|
|