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ms_kitty

Insurance coverage on toads

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Possibly everyone but me knows but my toad was totalled and my insurance company  (usaa) considered the tow bracket and lighting harness for 4 wheel down towing to have $0 value.  It was @ $1000 to install on my replacement vehicle. 

 

My advice is check with your insurance company & if you're a usaa customer, consider your options & risk.

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I had a Colorado 4 x 4, attached to a coach and hit a nasty RR crossing in West Texas...Broke the tow bar and bent the hitch.  USAA paid $750, I have $500 deductible!  Have used USAA on various autos, homes, MC & Motor Homes (they stopped doing coach/mc's in 2004), from 1964 to present.  Perhaps covering hitches have changed, my coach and toad, including tow bar, etc is now with State Farm (2 yrs.)!

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I would expect that much like any after market upgrades, you would have to register them with the insurance company and request additional coverage.

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