You know that old saying that if it’s on the Internet, it must be true? I thought I debunked that with my blog post You Decide What’s True a week or so ago. Obviously not, because there are so many keyboard commandos out there who are all “experts” and so many fools willing to believe what they say, just because it’s on the Internet.
I was reminded of this when I was reading an online RV forum and there was a discussion about the high cost of insuring an RV as a fulltimer. Somebody was bemoaning the expense, and two different people told them not to tell their insurance company they are fulltiming, to just say they use it for vacations or occasional weekend outings.
Another person, who happens to be one of those RV “life coaches” I wrote about a while back, went so far as to suggest that they have their insurance company list the RV as in storage at their son’s house for five or six months of the year, even though they are fulltiming. That way they only pay a very minimum for insurance during that time period.
I only have one thing to say about that. Don’t do it! Don’t even think about it! No, No, and Hell No!
Never lie to your insurance company! Never! You can lie to wife, your boss, and your priest. You can even lie to yourself. But two entities you never want to lie to are the IRS and your insurance company. Either one can quickly result in you swimming in a lake full of hungry alligators just waiting to take a bite out of your butt.
Seriously, in all of our years of fulltime RVing and publishing an RV newspaper and blog, this is just about the stupidest advice I have ever heard of. If you are fulltiming and lie to your insurance company about your status, then have an accident or a major loss your claim is going to be denied. No question about it. And the insurance company may choose not to renew your policy, or cancel you right there.
When I asked this “life coach” how one would explain to their insurance company why the RV that is supposedly “in storage” in Michigan is involved in an accident in Florida, she said the odds of that happening to that particular RV, given the huge number of RVs running around the country, were very small and it was worth taking the chance to save a lot of money.
No, it isn’t! That’s why we have insurance, because bad things do happen, and they can happen to any of us at any time. Don’t be a fool and risk a huge loss just to save some money. Believe me, it’s not worth the risk.
You might drive for the next 20 years and never have any problems at all. Or you can have a fender bender, or worse, the next time you get behind the wheel. If you want to gamble, go to Vegas and put some money in a slot machine or throw it on a blackjack table. Don’t do it with your RV.
It’s Thursday, so it’s time for a new Free Drawing. This week’s prize is an audiobook of Big Lake Burning, the sixth book in my Big Lake mystery series. To enter, all you have to do is click on this Free Drawing link or the tab at the top of this page and enter your name (first and last) in the comments section at the bottom of that page (not this one). Only one entry per person per drawing please, and you must enter with your real name. To prevent spam or multiple entries, the names of cartoon or movie characters are not allowed. The winner will be drawn Sunday evening.
Thought For The Day – I sat quietly with my own thoughts today. Remind me never to do that again.