I do carry AAA for the towing service. with TWO vanagons on the road, I
have managed fours tows a year for the past few years. Made it well worth
having. Mostly within 25 miles but I did have one long tow of  90 miles.
I'm keeping that service.

John
On Jul 19, 2015 1:41 PM, "Dave Mcneely" <mcneely4@cox.net> wrote:

> The same reasoning is why I don't carry full coverage insurance on
> automobiles.  I have had a few scrapes that I had to pay out of pocket for,
> even including when I was not at fault (hit and run in parking lot on the
> camper last fall for example).  One disadvantage of self insuring for
> collision is that when the other fellow is at fault but disputes (and his
> insurance disputes) the liability, if onoe has full coverage, one has
> representation, also.  That once made a difference for me, when another
> driver's insurance company  tried to stiff me on the amount they owed me
> for my totaled vehicle.  My insurance company stepped up and recovered the
> full amount for me.  But, that was a long time ago, I owed the bank for
> that car (something I would never do, now, of course), and the bank
> required full coverage.
>
> However, I do carry AAA club membership for peace of mind.  If I am in
> Behind the Mountain, Arizona at 1:00 in the morning, I can call AAA for
> help.  Not so much the local service provider, for whom I probably cannot
> get a phone number, or who will not answer the phone, or who will tell me
> he'll try to get someone out in a day or two.
>
> YMMV
>
> mcneely
>
> ---- PSD <psdooley@VERIZON.NET> wrote:
> > That's called self-insurance. Some would call it gambling, others would
> call
> > it good sense.
> >
> > -----Original Message-----
> > From: Vanagon Mailing List [mailto:vanagon@gerry.vanagon.com] On Behalf
> Of
> > Angus Gordon
> > Sent: Sunday, July 19, 2015 11:41 AM
> > To: vanagon@GERRY.VANAGON.COM
> > Subject: Re: Insurance
> >
> > Just to provide some needed balance to this discussion of one of the
> list's
> > sacred cows - I have never used AAA or any other form of towing
> insurance.
> > Which is not to say you shouldn't, only to point out there is an
> > alternative. AAA is not an investment, it's a form of insurance. Your
> tool
> > box is an investment, insurance can be the parts stashed under your back
> > seat.
> >
> > For many, AAA supplies a sense of security, with a tow truck just a phone
> > call away. I just want to point out that same driver is available to me
> any
> > time day or night, with just a phone call and a credit card.
> > The number of years of AAA premiums I have saved? Over forty.
> > The number of tows needed in that time? One (about fifty bucks).
> > You do the math.
> >
> > Angus
>
> --
> David McNeely
>