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Most tow coverage is on a reimbursement basis, i.e. you pay and then they'll pay you back (if you're covered).
Again it is regional. Example if your AAA agreed to a policy..... and then your inside another region when you need a tow.... their region does not have abide by decisions of another region. So your screwed. Beside..... in general..... they love to take money.... and love to NOT let go of it to pay for tow.
If you find some good candidates, please share.
I don't think your going to find much in commercial road service. Most fleets have service agreements with the heavy tow companies in the areas they service and most owner operators have it towed to the closest shop and get it fixed.
Sorry but I'm going to call BS on this one. Having worked for a national insurance company I can tell you that if you have something on your policy they can't deny it just because you're in a different part of the country. If you have verifiable proof of this happening (and I'm not talking about anecdotal stories of your cousins brother-in-laws hairdresser said...) I'd be happy to offer my knowledge and experience fighting it for you. All insurance companies have a fiduciary obligation to handle your loss. Now if for some reason you don't have coverage, i.e. your policy lapsed, you're driving a different vehicle, you told them you have a Jeep when in fact it's a Kaiser-Jeep M35 and doesn't meet the definition of a "vehicle" under the policy, or a variety of other reasons for the claim to be DENIED due to your fault (which includes not reading the policy to know what's covered), then yes they can deny COVERAGE. They cannot deny it simply because you're in NV and the policy was written in OH.
happens all the time..... has happened to me many times with AAA..... there is always an excuse they won't cover it...... there is always a.... "ohhhhh.... well you have wrong policy.."... oh well yes you have RV coverage butttttt.... your truck is not an RV..... you need this other coverage instead cause we have redefined RV and your motorcycle, atv or ??? is no longer a recreational item.... sorrryyyyy.
Again, read your policy and anything you don't understand, ask.
(..... or this thread will be closed, too.)
If you can't understand your policy have your lawyer look it over before you sign it , it is up to you to know whats covered . If you't don't want to spend the money on a lawyer to protect your interest don't complain because the insuror does.
You're correct in that they appear to exclude these vehicles even if they've been converted to a RV configuration (absolutely in the case of school buses but they'd likely point to the other examples in the case of a LMTV). Two of the most important things in the policy to review are (these things are typically in bold in the policy) the DEFINITIONS, especially as it applies to "Your Insured Vehicle," and the EXCLUSIONS (which is likely where the above paragraph came from). Those 2 areas cover most of the things a claim can be denied over. Don't trust an insurance agent because they're trained to sell you a policy not interpret a policy and how it applies specifically to your vehicle.
you don't get copy of contract till you pay for it. contract most always also says..... definitions can be changed at their will and they change them at their will often.
Refer to post #31 and go in and tell them you want towing for a Class 6,7 or 8 truck with a box on ( how you remodel the box is irrelevant S & S didn't build RV's ) .
