Don’t Do It!

 Posted by at 12:53 am  Nick's Blog
May 312018

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.

Nick Russell

World-Famous, New York Times Best Selling Author, and All-Around Nice Guy!

  10 Responses to “Don’t Do It!”

  1. any life coach that wants me to lie is not coaching me. Thank you.

  2. Can you spell f r a u d.
    That is what lying to your insurance company can be interpreted as.

  3. I second that Nick……….its crazy to lie to the insurance company. Especially if you are fulltiming. It’s your house, its your life as a fulltimer. If you want to play roulette, go to Vegas as Nick said. Insurance companies look for ways out of a claim every time and they will use every means they can to get out of it or short you on that claim. They are in the business of making money, not spending it!

  4. Wow, Wow, and WOW!!! What a giant nugget of BAD ADVICE! We fulltimed for 5+ years, and insurance was not an expense we worried about. We shopped for competitive quotes every year at renewal time, but LIE? What kind of “life coach” advises you to commit fraud?? I would coach that coach to research strategies for dealing with bankruptcy and incarceration, because WHEN she gets caught and is “hoist with her own petard” she will need to use those skills!

  5. So, if the objective is saving money and the risk is so low of anything happening, why not just save all the money and drop the insurance altogether? That’s the only thing I can think of that would be more stupid than lying to the insurance company.

  6. Penny wise and a dollar foolish.

  7. “you might drive for the next 20 years and never have any problems ” has anyone gone that long using the MH without a claim? We used the MH for 10 years and had 2 claims, both comprehensive ( tire blowout and wind taking the slideout canopy ). If I remember correctly the comprehensive premium was equal to or more than the collision premium. (Can someone check their MH policy?) which suggests more sitting claims than moving.

  8. Nick, about 5 years ago we bought a Class C from a well known “world” dealer. We are out 6-8 months per year, and with the purchase “THEY” wanted to quote us a insurance quote. She comes back with a 3 months use quote. I told her, “I said we use it 6-8 months, I want a 9 month use quote!” She told me we did not need 9 months, I insisted…she came back and the quote was only $120 more than before. We went with Blue Sky, which was the same price but included towing. THAT motorhome burned up 8 months later in a RV Storage fire, and we got all but $1,800 back from the purchase price. I “highly” doubt we would have done that well with the other well known RV insurance company….

  9. WOW….what’s the saying “you can’t fix stupid”…..lying under any circumstances to an insurance company is fraud.

    We are fulltimers and we plan and pay our premium in full each year, its our HOME and worth every penny we pay!

  10. Practicing for a career as a life coach….”GET YOUR HEAD OUT OF YOUR ###!”
    That’ll be $50 please.

    How’m I doing?

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