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Author Topic: FMCA road assistance  (Read 450 times)

BigJohn

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FMCA road assistance
« on: March 06, 2018, 09:37:05 PM »
Itís time to renew my Coach-Net plan. They are offering a $10 discount this week. So a renewal wii cost $159. FMCA has a plan for $69. I compared and on the surface I cannot find a significant difference. I have had Coach-Net for many years and have been happy. I hate to leave but a $90 savings is a pretty big draw. Any thoughts would be appreciated.
Out wandering. Just can't wait to see what's over the next hill.
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SargeW

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Re: FMCA road assistance
« Reply #1 on: March 06, 2018, 10:49:55 PM »
One of the biggest items to consider is how many outlets each provider contracts with to provide service. I have had to use Coach Net twice, and both times providers were there at scene within an hour. 
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Gary RV_Wizard

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Re: FMCA road assistance
« Reply #2 on: March 07, 2018, 09:51:31 AM »
I'll agree with SargeW but I think most road service providers deal with the same set of local road service companies (towing, tires, etc). Even if they don't have a formal agreement with them, they may contact them as an alternate.

No matter what dispatching service you contract with, they are all at the mercy of the local providers wherever you happen to be when a breakdown occurs. You will see "horror stories" about them all.  Some areas have very few providers and maybe not very competent either. Other areas are extremely busy and there will likely be delays at peak times, sometimes hours.  Another common complaint is high fees for extra services or purchases, e.g. a tire brought to the site. The service dispatching company has no control over that.  Besides, you can hardly expect to get discount pricing when you are stranded on the side of the road on Sunday night!
Gary
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Gary Brinck
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kdbgoat

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Re: FMCA road assistance
« Reply #3 on: March 07, 2018, 10:04:56 AM »
Does the FMCA plan have folks that try to talk one through issues like Coach-Net? Asking out of ignorance, since I haven't looked at FMCA's plan details.
I know you believe you understand what you think I said,
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Gary RV_Wizard

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Re: FMCA road assistance
« Reply #4 on: March 07, 2018, 10:18:52 AM »
One thing to remember: those extras, e.g.  "concierge services" and "technical assistance" are a substantial cost factor in the service. If you want extra hand-holding, it's gonna cost you.   Personally, I'd rather have basic towing and tire change insurance at a lower price.
Gary
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Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

kdbgoat

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Re: FMCA road assistance
« Reply #5 on: March 07, 2018, 10:37:13 AM »
I understand that, but some folks may want it. I just didn't know if FMCA had that type of technical support or not.
I know you believe you understand what you think I said,
But I am not sure you realize what you heard is not what I meant


2016 Leprechaun 319DS

BigJohn

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Re: FMCA road assistance
« Reply #6 on: March 07, 2018, 12:38:38 PM »
FMCA road assistance does provide technical assistance. The plan is from Roadsafe. If menory serves me, I think Coach-Net used roadsafe until a couple years ago. I could be wrong, just ask DW.
Out wandering. Just can't wait to see what's over the next hill.
Not all who wander are lost.

kdbgoat

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Re: FMCA road assistance
« Reply #7 on: March 07, 2018, 01:25:23 PM »
Thanks BigJohn. That's what I wanted to know.
I know you believe you understand what you think I said,
But I am not sure you realize what you heard is not what I meant


2016 Leprechaun 319DS

BigJohn

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Re: FMCA road assistance
« Reply #8 on: March 07, 2018, 02:33:00 PM »
FWIW I called my insurance carrier ( Auto Owners ) to see if they had roadside coverage. I found: I need towing coverage to have them tow vehicle if involved in accident,  towing ins on my MH & car was not included in my basic coverage and was an additional $12. Towing insurance includes many of the items provided by Coach-Net and others. Others on this forum have pointed out that Coach-Net and others wonít tow a vehicle involved in an accident. Just passing along info. The coverage offered by ins policy is limited, in my case to 250 per event. Last time my MH was towed Coach-Net paid more than $1000.
« Last Edit: March 07, 2018, 02:38:29 PM by BigJohn »
Out wandering. Just can't wait to see what's over the next hill.
Not all who wander are lost.

Gary RV_Wizard

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Re: FMCA road assistance
« Reply #9 on: March 07, 2018, 03:42:40 PM »
Seems odd, BigJohn.   Never heard of collision coverage that did not include towing to a body shop if the vehicle is disabled in an accident, but I guess some policies might exclude that. Folks ought to check their policy to be sure and buy the inexpensive towing coverage if needed..
Gary
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Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

BigJohn

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Re: FMCA road assistance
« Reply #10 on: March 07, 2018, 09:09:39 PM »
Gary I think you are right. I read my policy ( yawn ) and while not addressed directly towing was not in the list of items the policy will not pay. I either misheard the answer or asked the wrong question. For $12 I think Iíll keep the towing policy. Back to the original issue, Iím going to switch to FMCA road service. For me all I really want is towing and tire repair. I get good technical support from Winnebago. Thanks to all for the good advice.
Out wandering. Just can't wait to see what's over the next hill.
Not all who wander are lost.

Gary RV_Wizard

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Re: FMCA road assistance
« Reply #11 on: March 08, 2018, 10:14:48 AM »
Vehicle policies cover towing a disabled vehicle for two reasons:

1. You are legally liable for removing the vehicle from the highway. If you don't have it towed, the police will and you still have to pay. Thus, your liability coverage has to provide at least for towing off the highway to a storage facility.

2. Collision and Comprehensive coverage pays to restore the vehicle condition to the state prior to the damage. The covered repairs can't be done roadside, so it has to go to a shop and towing to the body repair shop is part of that process.

What would typically not be paid by liability/collision/comp is towing for mechanical disablement (because that is not a covered repair) or towing to some place other than a repair facility.  However, most policies cover towing to temporary protective storage until a repair shop can be selected and the vehicle moved there.

Roadside service & towing policies cover towing for reasons other than accident damage.
Gary
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Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL