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Date:         Sun, 19 Jul 2015 14:10:39 -0500
Reply-To:     John Rodgers <jrodgers113@GMAIL.COM>
Sender:       Vanagon Mailing List <vanagon@gerry.vanagon.com>
From:         John Rodgers <jrodgers113@GMAIL.COM>
Subject:      Re: Insurance
Comments: To: David McNeely <mcneely4@cox.net>
In-Reply-To:  <20150719144050.U82SA.142797.imail@eastrmwml108>
Content-Type: text/plain; charset=UTF-8

I do carry AAA for the towing service. with TWO vanagons on the road, I have managed fours tows a year for the past few years. Made it well worth having. Mostly within 25 miles but I did have one long tow of 90 miles. I'm keeping that service.

John On Jul 19, 2015 1:41 PM, "Dave Mcneely" <mcneely4@cox.net> wrote:

> The same reasoning is why I don't carry full coverage insurance on > automobiles. I have had a few scrapes that I had to pay out of pocket for, > even including when I was not at fault (hit and run in parking lot on the > camper last fall for example). One disadvantage of self insuring for > collision is that when the other fellow is at fault but disputes (and his > insurance disputes) the liability, if onoe has full coverage, one has > representation, also. That once made a difference for me, when another > driver's insurance company tried to stiff me on the amount they owed me > for my totaled vehicle. My insurance company stepped up and recovered the > full amount for me. But, that was a long time ago, I owed the bank for > that car (something I would never do, now, of course), and the bank > required full coverage. > > However, I do carry AAA club membership for peace of mind. If I am in > Behind the Mountain, Arizona at 1:00 in the morning, I can call AAA for > help. Not so much the local service provider, for whom I probably cannot > get a phone number, or who will not answer the phone, or who will tell me > he'll try to get someone out in a day or two. > > YMMV > > mcneely > > ---- PSD <psdooley@VERIZON.NET> wrote: > > That's called self-insurance. Some would call it gambling, others would > call > > it good sense. > > > > -----Original Message----- > > From: Vanagon Mailing List [mailto:vanagon@gerry.vanagon.com] On Behalf > Of > > Angus Gordon > > Sent: Sunday, July 19, 2015 11:41 AM > > To: vanagon@GERRY.VANAGON.COM > > Subject: Re: Insurance > > > > Just to provide some needed balance to this discussion of one of the > list's > > sacred cows - I have never used AAA or any other form of towing > insurance. > > Which is not to say you shouldn't, only to point out there is an > > alternative. AAA is not an investment, it's a form of insurance. Your > tool > > box is an investment, insurance can be the parts stashed under your back > > seat. > > > > For many, AAA supplies a sense of security, with a tow truck just a phone > > call away. I just want to point out that same driver is available to me > any > > time day or night, with just a phone call and a credit card. > > The number of years of AAA premiums I have saved? Over forty. > > The number of tows needed in that time? One (about fifty bucks). > > You do the math. > > > > Angus > > -- > David McNeely >


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