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Old 05-28-2008, 04:03 AM   #1
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Default Emergency Road Service for Cargo/Utility Trailer while towed

Some good info in an email from Ron.

Thought I would inform owners of Class B Van Campers, Conversion Vans, as well as Yahoo My Groups, RV.Net, and Class B Forum folks who tow a small Cargo/Utility trailer who belong to an RV Emergency Road Service Club, what they could expect if they needed Emergency Road Service on their Cargo/Utility Trailer while in Tow.

Owning a RoadTrek, a Class B Van Camper, sometimes I tow a 5x10 Haulmark Cargo Trailer which contains camping gear, small refrigerator, 2 bikes, screen house, etc.

Wanted to join an RV Emergency Road Service Club as I dropped AAA Southern New England Club Emergency Road Service. As such I checked with 3 leading RV Emergency Road Service Clubs, being 1>Good Sam RV Road Service, 2>FMCA-Coach-Net Technical & Roadside Assistance, and 3>Allstate Motor Club RV Road Help.

Following is an E-mail I sent to each of the above mentioned 3 RV Emergency Road Service Clubs:

E-mail Sent:

I would like to obtain an RV Emergency Road Service for my Class B Van/Camper, 2 axles, 4 wheels, make is a 2002 Dodge, conversion mfg is RoadTrek, model 190 Popular.

Sometimes I tow a small Haulmark 5x10 enclosed Cargo/Utility Trailer, contains a small refrigerator, 2 bikes, camping gear, Screen House, etc.

Would like to know if I should need service, change of a flat tire on my cargo Enclosed/Utility trailer would it be serviced?

If my Van/Camper was disabled would 2 tow trucks be sent, one for my vehicle that I would be driving, and one for the cargo Enclosed/Utility trailer that I would be towing?

Following Is The Response From Each RV Emergency Road Service Club:


Checked with Good Sam RV Road Service, unfortunately they will not cover a Cargo Trailer for service, should I require a tire change, it would be at my expense.

The enclosed cargo trailer is not covered under their program guidelines. Therefore, if my RoadTrek were to breakdown while pulling the trailer, the dispatch center would attempt to arrange towing or service for the utility trailer as well. However, any charges incurred for the trailer would be at my expense and Good Sam RV ERS would assume no responsibility for the utility trailer.

I was also informed that Utility trailers are not eligible due to the liability of the potential cargo being carried.

Good Sam RV Road Service will cover service for a Boat Trailer, but will not cover a small Cargo Trailer.

++++++++++++++++++++++++++++++++++++++++++++++++++ +++
2> FMCA, Coach-Net Premium Road Service:

I checked with FMCA, Coach-Net Premium Road Service, they state for any trailers being pulled/towed they will cover a tire change to a good mounted spare, unfortunately they do not cover the towing of a trailer unless it is the owners RV.

++++++++++++++++++++++++++++++++++++++++++++++++++ +++


I have sent 2 E-mails to Allstate RV Roadhelp for confirmation regarding the info posted in their Brochure, but still have not heard from them.

The Allstate RV Roadhelp Plan does provide coverage to all non-commercial vehicles even trailers while in tow.

In their brochure they state when needed they will even use TWO (2) tow trucks to tow the RV, plus whatever vehicle that is being towed (INCLUDING ANY TRAILERS!) to a qualified repair facility.

++++++++++++++++++++++++++++++++++++++++++++++++++ +++

Ron R. Cabral

Ron & Rose Cabral
New Bedford, MA
2002-Dodge-2002-RoadTrek-190 POPULAR
FMCA: 303873
Good Sam Club # 052248192
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Old 05-28-2008, 07:42 AM   #2
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Location: Arkansas' Ozarks
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Add another; State Farm. When I purchased my little Wells Cargo rolling closet, I was told firmly that it would not be covered under my van auto insurance policy. Even if I am a multiple policy holder and very-long term customer. They like your money. They don't like to put themselves out much to get it.

My solution? Self-insurance much like most everything else I own and do.

As for flat tires on the trailer, one of the hole-plug kits and a pump will get you rolling to the next tire center. Remember a tire pump? Good exercize.
GMC Conversion Van and WellsCargo traiiler
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Old 05-31-2008, 06:22 AM   #3
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I have a 5 X 12 Mirage enclosed Cargo Trailer for hauling the MC.
Until I read this I assumed it was covered for road service either by our AAA or State Farm insurance. Called my State Farm agent and was told it was not but I could add it to it's policy for $5 for 6 months. I don't know why they didn't tell me when I bought it.
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Old 06-01-2008, 06:21 PM   #4
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I think there are two things being discussed here.

First is the property and liability coverage on a trailer. Second is the road service coverage on a trailer.

In our case, we've added the trailer(s) (I have an enclosed trailer, an open trailer, and one behind my motorcycle) to our auto policy - VERY inexpensive - so there's no question about property cover or liability cover.

Separately, while we have the AAA Plus RV road service plan, I have now learned that it does NOT cover road service on any of my trailers. Following a call to AAA to see if I can add the trailer(s), I may need to find another road service provider.

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Old 06-01-2008, 07:09 PM   #5
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Yes the liability and property damage for the trailer are covered under the towing vehicle policy.
A seperate policy for the trailer covers comp, collision and emergency road service.
So you have an idea mine is $25 every 6 months for $0 Ded Comp, $100 Ded Collision and ERS.
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Old 06-02-2008, 01:07 PM   #6
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more info from Ron:

Received an E-mail from Michelle, Customer Relations Specialist from Allstate Motor Club Inc, Michelle states that Allstate RV Roadhelp Plan does cover a utility trailer while in tow.

Emergency road service (ERS) would be provided, and if two tow trucks are required they would be sent to tow the RV and the utility trailer, and no charges would be incurred for the utility trailer.

Was informed by Chuck from Colorado that he informed Allstate that his wife Gail uses a Cargo Trailer to haul a LARGE handicap scooter, Allstate said no problem, its covered.

Chuck stated that they have had Allstate for years, had to use them twice, both times not towing, both times excellent service.

It is unfortunate that both GOOD SAM RV ROAD SERVICE, and FMCA, Coach-Net Premium Road Service does not offer the same plan as Allstate.

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