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01-04-2015, 05:58 AM
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#1
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Montana Fan
Join Date: Nov 2013
Location: Union
Posts: 129
M.O.C. #13875
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Good Sam insurance
Has anyone had to use there Good Sam insurance ? I had a young man run a stop sign where I hit him on the rear quarter panel, it ruined the front bumper on my 2014 ram 2500 HD, the insurance company said they would pay for used or remanufactured parts form a business they specified, needless to say that business is a wrecking yard, I was lucky enough to get a good repair facility and they used oem parts, I will be looking for an new insurance company now. http://montanaadministrator.forumco....icon_mi_13.gif
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01-04-2015, 06:31 AM
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#2
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Site Team
Join Date: Jun 2011
Location: Wilsey
Posts: 18,799
M.O.C. #11455
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You're saying you had Good Sam and that's what they did? If so, we know were the low prices are coming from.
__________________
Dick, Joyce, Diego, Picatso and Gustav
2017 3720 RL, and 2013 HC 343RL
Pullrite Hitch, IS, Disk Brakes, 3rd AC, Winegard Traveler, Bathroom door mod, Dometic 320, couch for desk swap, replaced chairs, sun screens, added awnings, etc.
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01-04-2015, 06:51 AM
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#3
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Montana Fan
Join Date: Nov 2013
Location: Union
Posts: 129
M.O.C. #13875
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That exactly what they did!!!
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01-04-2015, 07:31 AM
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#4
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Seasoned Camper
Join Date: Feb 2013
Location: Idaho Falls
Posts: 87
M.O.C. #13238
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Unfortunately, most insurance companies use re manufactured or seconds as their replacement parts. New OEM parts are only used when the "cheaper" version is not available. When you do find insurance, be sure to ask or read the fine print.
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01-04-2015, 08:26 AM
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#5
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Montana Master
Join Date: May 2011
Location: Hixson
Posts: 3,436
M.O.C. #11397
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If the "young man" ran a stop sign, why is your insurance repairing your truck instead of his liability insurance repairing it? 
__________________
2018.5 Montana 3791RD
Full Timers 9/1/2010 through 1/16/2020.
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01-04-2015, 10:17 AM
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#6
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Montana Master
Join Date: Jun 2010
Location: Colorado Springs
Posts: 3,335
M.O.C. #10496
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Quote:
quote:Originally posted by WeBeFulltime
If the "young man" ran a stop sign, why is your insurance repairing your truck instead of his liability insurance repairing it?
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Good question.
I only have Good Sam for my roadside assistance. I use USAA for all my vehicles, Montana and stick house.
__________________
2010 3150RL
LevelUp, Dual 6 volt batteries, Progressive Industries EMS HW50C, Honda EU2000i Generator, Bridgestone Duravis R250 tires, Torklift Glowstep Revolution Stairs, LED Tail lights
2015 RAM 3500 Laramie SRW LB CC Cummins 6.7L Aisin Trans B&W RVK3600
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01-04-2015, 10:34 AM
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#7
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Montana Fan
Join Date: Nov 2013
Location: Union
Posts: 129
M.O.C. #13875
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To webefulltime, he admitted it was his fault, but no witnesses then he changed his story to his insurance company.
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01-04-2015, 12:34 PM
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#8
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Montana Master
Join Date: Mar 2014
Location: Sioux Falls
Posts: 505
M.O.C. #14162
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Unfortunate. The police should have been able to assess liability, even without witnesses. With regards to the bumper, most re-chrome or remanufactured bumpers have a lifetime warranty, which is better than the OEM part.
__________________
Steve & Sheryl Engels
2018 Montana 3790RD
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01-05-2015, 01:36 AM
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#9
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Montana Master
Join Date: Aug 2007
Location: Waterford
Posts: 3,693
M.O.C. #7500
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Most, perhaps all, auto insurance companies use 're-manufactured' parts if they are available. Otherwise insurance would cost you about 1/3 more per year than you currently pay. I do believe that in most states you do have the right to select who does the work and inspect any replacement parts.
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01-05-2015, 03:05 AM
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#10
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Montana Master
Join Date: Jan 2005
Location: North Ridgeville
Posts: 20,229
M.O.C. #2839
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It is a normal practice. You must have missed that when you read your policy.
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07-11-2015, 05:08 AM
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#11
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Established Member
Join Date: Jun 2013
Location: KENT
Posts: 29
M.O.C. #13494
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I have G.S. Ins. Had a claim, became aware of their customer care & service. Now looking for another Ins. Co.
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07-11-2015, 05:47 AM
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#12
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Established Member
Join Date: Jun 2013
Location: KENT
Posts: 29
M.O.C. #13494
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I have G.S. Ins. Had a claim, became aware of their customer care & service. Now looking for another Ins. Co.
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07-11-2015, 08:39 AM
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#13
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Montana Master
Join Date: Jan 2005
Location: North Ridgeville
Posts: 20,229
M.O.C. #2839
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make sure you read the new policy.
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07-12-2015, 02:37 PM
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#14
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Seasoned Camper
Join Date: Mar 2007
Location: Goodland
Posts: 59
M.O.C. #6988
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Everyone on this forum is old enough to know that ANY insurance is only as good as the person that you buy it from !! Know your agent, and have their office and personal phone numbers in your pocket. If they don't give these numbers out, you have the wrong agent.
This saved our Alaska trip last summer, and made my insurance look REAL cheap.
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07-12-2015, 09:45 PM
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#15
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Montana Fan
Join Date: Mar 2015
Location: SE
Posts: 478
M.O.C. #17167
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That's very much standard practice. Something has to give when we all demand low rates.
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07-13-2015, 01:20 AM
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#16
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Montana Master
Join Date: Mar 2013
Location: Frostproof, FL USA
Posts: 2,362
M.O.C. #13272
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The days of telling someone "I have been with the same insurance agent for 30 year" should be over. There are huge differences in prices out there and it pays to shop it out every year or two.
__________________
Previous: 2008 Montana 3400RL & 2014 3725RL
Current: Full Time 2022 SOB TT Toy Hauler
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07-13-2015, 04:28 AM
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#17
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Montana Master
Join Date: Jan 2005
Location: North Ridgeville
Posts: 20,229
M.O.C. #2839
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We shop around for all of our insurance every two years. The Agent has nothing to do with your insurance except selling it to you. We buy insurance from the Insurance Company not the Agent. The agent is a broker and may handle many companies.
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