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saw1953

Member
Joined
Dec 27, 2005
Posts
10
Location
Richmond VA
I have read a lot of posts on here and it seems like most of you prefer CoachNet.  Does it also cover the towing vehicle? Without the trailer?  I don't want to have to carry AAA and CoachNet.  My insurance has towing coverage up to $500.  If I purchase CoachNet should I drop the towing coverage on my insurance?  I am also paying for $100,000 in vacation liability in case someone gets hurt in our trailer while we are at the campground.  Do I need that?  How much liability would you suggest we have on the truck in case (God forbid) the trailer comes loose?
 

Ned

Moderator Emeritus
Joined
Feb 1, 2005
Posts
25,107
Location
USA
CoachNet covers all of your vehicles, including towing.  It does not replace liability insurance.  Go to http://www.coach-net.com/ for more information.
 

Gary RV_Wizard

Site Team
Joined
Feb 2, 2005
Posts
74,979
Location
At my Silver Springs FL home
While you are trailering the trailer is covered by your tow vehicle's liability coverage. It still applies if the trailer breaks loose and damages something.  That is covered under the property damage portion of you liability coverage. If the trailer injures someone while towing (including breakaway), then it comes under the bodily injury coverage of your tow vehicle laibility. It is no different than if the tow vehicle itself does the damage/injury.

Vacation liability has nothing to do with towing accidents. Vacation liability covers you if someone falls down the trailer steps or splits their skull bumping into a slideout corner or awning arm while the RV is parked. If you already have home owners or renters insurance, you may have coverage for off-premisies liability (personal liability) and may not need vacation liability. Check with your home/renters insurance agent. 

How much is enough? Most claims are either fairly small (several thousand for hospital emergency room visit) or huge ($50k-100k & up). But huge claims generally only happen if you have insurance - lawsuits are not common if there are no "deep pockets" to go after. No insurance reduces the likelihood of a large claim. You will have to figure the risks yourself.
 

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