01-22-2024, 03:59 PM | #1 |
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Tow Insurance
Does anyone offer tow service for your A when your broken down in your garage? This is not about road service which I have with Triple A. And I'm not wanting to drive a block or two and then call in. Just someone to help me out if I screw up a repair and needed a shop.
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01-22-2024, 04:22 PM | #2 |
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Re: Tow Insurance
You always have the option of paying a tow company in cash. They will do whatever you want.
AAA refused to tow my 1929 Model A mail truck because they said it was a "commercial vehicle". Had to call a tow company and pay cash. AAA would not reimburse, so be warned if your car is a tribute type or similar.
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01-22-2024, 05:22 PM | #3 |
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Re: Tow Insurance
[QUOTE=P.S.;2285580]You always have the option of paying a tow company in cash. They will do whatever you want.
Yes I can, but at $300.00 one way -- I'm looking for options |
01-22-2024, 05:26 PM | #4 |
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Re: Tow Insurance
Get some old Model A guys to help you push it out of your garage onto the street and then call AAA to come and take it to a shop.
Tom Endy |
01-22-2024, 05:34 PM | #5 |
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Re: Tow Insurance
Haggerty is supposed to include some towing coverage, but I have not investigated what that might be
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01-22-2024, 08:00 PM | #6 |
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Re: Tow Insurance
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01-22-2024, 08:44 PM | #7 |
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Re: Tow Insurance
I used AAA to tow my Model A to my friends garage to use his facilities to change the clutch. No problems, the only requirement is that the A had to be registered.
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01-22-2024, 09:16 PM | #8 | |
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Re: Tow Insurance
Quote:
so at 82 years of age -- I know, it's my problem. TKS |
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01-22-2024, 11:06 PM | #9 |
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Re: Tow Insurance
I have Hagerty insurance and it includes 100 miles of towing. They winched The Wretched Roadster onto a flatbed from my driveway and delivered it to the shop. Is there a Model A club anywhere near you? Maybe someone would be willing to help right in your garage.
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01-23-2024, 05:40 AM | #10 |
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Re: Tow Insurance
Im using Good Sam at the moment. 54. a yr. they will tow you in. As suggested Hagerty
and others will do the same. You should call and ask the question, before you need the service, so that you know you are covered. Tom Endy also has it right, tow rope to the street and off it goes! Yes we are all getting "older" but we are also getting "smarter". well some of us anyway! lol |
01-23-2024, 08:08 AM | #11 |
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Re: Tow Insurance
Your on the right path by asking for help here, if we were closer I would load your car into my trailer. Contact clubs in your area and see if someone has a tow vehicle and trailer, drive around your area and look for parked trailers stop and ask if they could help you
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01-23-2024, 08:29 AM | #12 |
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Re: Tow Insurance
I knew a guy that purchased an old truck. Never tried to start it, rolled it into the street and called AAA Road service. Tow truck arrived, driver looked at the truck and asked if the truck was just purchased and the new owner said "Yes, but the brakes are not working correctly. Driver loaded the truck and hauled it to the new owners house.
I wouldn't try that if the vehicle is in pieces... Chap |
01-23-2024, 08:35 AM | #13 |
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Re: Tow Insurance
Without pointing fingers at anyone, it would seem like the agreement that someone had with their insurance company would be to tow their vehicle to their home or a repair shop in the event they were stranded during driving. What is the consensus on ethical/moral thoughts regarding altering the circumstances and then falsifying the information given to their insurance company to have the insurance company pay for something that was outside of your/their coverage agreement?
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01-23-2024, 08:39 AM | #14 | |
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Re: Tow Insurance
Quote:
just my $.02 worth Dave
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01-23-2024, 08:40 AM | #15 | |
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Re: Tow Insurance
Quote:
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--------------------------------------- 1929 Model A Tudor "Stay away from negative people, they have a problem for every solution" Model A Ford Club of America Model A Restorers Club Motor City A's Club |
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01-23-2024, 08:59 AM | #16 |
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Re: Tow Insurance
Just pay the man...
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01-23-2024, 09:15 AM | #17 |
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Re: Tow Insurance
When my Roadster needed to be towed, my friend used his pickup truck and rented an open car trailer for the day. He got the trailer in the morning and drove 120 miles to get the car and drove back, unloaded and return'd the trailer to the car rental.The rental and fuel was inexpensive.
As mentioned by Big Hammer, check for car club members that have trailers that haul their cars to meets. Trailers sit unused most of the time and their owners would be glad to help if only asked. It doesn't have to be a Model A owner, as many makes of cars are towed. |
01-23-2024, 11:07 AM | #18 | |
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Re: Tow Insurance
Quote:
They've never seemed to consider the morals/ethics of raising my rates despite my perfect driving record. |
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01-23-2024, 11:12 AM | #19 |
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Re: Tow Insurance
Morals Brent?
has different meaning to diff people. Lots of grey in there............ |
01-23-2024, 11:26 AM | #20 |
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Re: Tow Insurance
I suggest Google Auto Service near me and then call them.
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01-23-2024, 11:30 AM | #21 |
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Re: Tow Insurance
I had a traffic accident once on my motorcycle (hit a washing machine that fell off the truck in front of me on the freeway!) and the insurance that came with the new bike towed me the 5 miles to my house. Called AAA and they came and towed the bike to the repair shop 30 miles away, no questions. But it was pretty obvious that the bike wasn't going anywhere on its own.
I can see both sides of this. On the one hand, you are paying for towing insurance and it should not matter why you need the tow. On the other hand, if using it for "convenience" towing (as opposed to breakdown on the road) where that's not what was intended, then the rates will go up for all of us. And remember that AAA isn't in business to tow, it's in business to collect premiums while dispensing out the minimum it can get away with. I don't feel too sorry for them.
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01-23-2024, 12:28 PM | #22 |
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Re: Tow Insurance
AAA and/or Hagerty.
Paul in CT |
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01-23-2024, 01:15 PM | #23 |
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Re: Tow Insurance
Ya know a full service insurance company may do themselves a favor by towing a car. Lets say a person buys a car at auction. They call the insurance company before driving home to start the coverage. Then on the way home the brakes fail, a tire blows out, whatever... Isn't a tow in certain circumstances cheaper.
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01-23-2024, 01:50 PM | #24 | |
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Re: Tow Insurance
Quote:
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01-23-2024, 02:48 PM | #25 |
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Re: Tow Insurance
All of my AAA drivers have thought that the Model As were the "coolest" cars and were always happy to help.
I think the best route is just to find a club member with a trailer. I know I'd be happy to do it around here if it's just a short hop.
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01-23-2024, 02:52 PM | #26 | |
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Re: Tow Insurance
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Quote:
Interesting thoughts you have on this. While I cannot speak for your situation, I use Hagerty to cover all 5 of my collector cars, -which I have stated values between $25k - $60k with a total aggregate value of $185k when values for all 5 cars are added. My annual premium for 2024 is $719.00. Even if I had a claim on my 1915Model-T speedster which is only valued at $25k, I would need to pay my current annual premium for over 34 years before my insurance company would have received enough premiums to break even. On one of my cars valued at $60k, that would be a total of 83 years of me paying annual premiums of $719.00. I would venture a guess that in the 25 years +/- I have been paying premiums, I have not paid anywhere close to what my exposure was with them. And, ...if we were considering morals/ethics regarding me covering someone else (-such as myself which I too have a perfect driving record) I'm quite sure I would be raising that person's annual premium rate at a much higher percentage than what my insurance company does. |
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01-23-2024, 05:25 PM | #27 |
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Re: Tow Insurance
The Automobile Club of Southern California is the AAA Affiliate where I live. They have never refused to tow my vehicles whenever I’ve called them. They have never asked what’s wrong with the vehicle, they just ask “where do you want it towed”. I have the hundred mile towing and I also have towing as part part of my insurance. Some credit cards like American Express also provide towing as a benefit.
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01-24-2024, 10:59 PM | #28 |
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Re: Tow Insurance
I sort of get the idea you are trying to solve a problem that really doesn’t exist. I can think of 2 responses. Self insure; put $100 in a coffee can every year and in 3 years you will be fully insured. Personally, I put the money into a tow dolly so I can tow most any car if need be. I also have a flatbed trailer that I loan to anybody in our club that needs it, I’m sure that there are club guys near you that would do the same for you (if they don’t have a suitable tow vehicle I do it for them)
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01-25-2024, 07:31 AM | #29 |
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Re: Tow Insurance
[QUOTE=jeepguy1948;2286235]I sort of get the idea you are trying to solve a problem that really doesn’t exist.
Well, it does really exist (for me. That's why I posted. |
01-25-2024, 08:55 AM | #30 | |
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Re: Tow Insurance
[QUOTE=rfitzpatrick;2286270]
Quote:
If the problem exists now, and you really are taking it to a Model-A repair shop, have you asked them for recommendations?? Maybe they have someone, -or a towing company who they routinely work with that understands transporting collector cars. |
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01-25-2024, 12:41 PM | #31 |
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Re: Tow Insurance
I have to agree that for you the problem exists for you. I think that my self insurance plan is still the best possible solution. I would bet that in 10 years there would be $1,000 in that coffee can. The idea that you want insurance for something that is not very likely at all to even happen, but you don’t like the $300 dollar option, yet you are willing to pay a yearly insurance premium? This makes no sense at all (to me at least). Also, based on my experience with AAA they would tow it for you (your results may vary). I would have absolutely no problem with pushing it out into the street if required but that’s me. On a slightly different note about AAA, I originally got AAA insurance because my wife and daughter were taking annual “road trips” and I wanted a solution available should they have a problem. For 10 years we never needed it. But then, we used it 4 or 5 times in 2 years, ya just never know. A guy in our local club had his roadster at a car show and it would not start to go home (later it was discovered that the problem was a short behind the instrument panel). I asked him if he had AAA and he said “I had it for years and never used it so when the premium was due TWO WEEKS AGO I let it lapse LoL. I am truly sorry that I said that the problem doesn’t exist, my thinking was that the problem is so easily fixed that it wasn’t really a problem. I still recommend the coffe can plan.
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01-25-2024, 07:48 PM | #32 |
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Re: Tow Insurance
I have a tilt bed aluminum trailer with a 10,000# winch and I can’t tell you how many times I’ve helped pickup a dead car and take it somewhere. Don’t ask to borrow it though! I quit loaning my trailers a long time ago. BTW don’t discount the use of a tow bar.
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01-28-2024, 11:03 AM | #33 |
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Re: Tow Insurance
I dropped AAA after they refused a tow because I was on an unpaved road. Ridiculous. Added tow to my Hagerty policy. Cheaper than 3A and no problems.
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01-29-2024, 03:34 PM | #34 |
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Re: Tow Insurance
I dropped AAA also after they delayed for months on paying a tow I needed.
I find getting a tow is much easier to find on your cell phone than going thru AAA. |
02-11-2024, 07:04 AM | #35 |
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Re: Tow Insurance
You might want to contact
American Collectors Insurance Cherry Hill, NJ 08002-0343 1-800-360-2277 I have used them for a long time. I had only one tow. I paid the driver send them the bill and the paid me. |
02-11-2024, 12:47 PM | #36 | |
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Re: Tow Insurance
Quote:
You want a free tow if you screw up working on your vehicle in your own garage to a mechanic or somewhere else other that your garage ? Why should anyone do that for you ? If you decide to work on your own vehicle in your own garage and screw it up - pay for a tow to somewhere else … Jim |
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02-15-2024, 12:54 PM | #37 |
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Re: Tow Insurance
American Collector's Insurance tow coverage.
"We will pay towing and labor costs incurred each time "your covered auto" or any "non-owned auto" is disabled, up to the amount shown in the Schedule or in the Declarations as applicable to that vehicle but in no event less than $25 per disablement. If a "non-owned auto" is disabled, we will provide the broadest towing and labor costs coverage applicable to any "your covered auto" shown in the Schedule or in the Declarations. We will only pay for labor per-formed at the place of disablement." |
02-15-2024, 01:11 PM | #38 |
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Re: Tow Insurance
So Ted, did you buy towing coverage? Do they sell other auto insurance? Expensive?
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02-15-2024, 01:14 PM | #39 |
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Re: Tow Insurance
250 or so shades……
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02-15-2024, 04:20 PM | #40 |
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Re: Tow Insurance
250 or so shades……
lol right you are John...............! |
02-16-2024, 11:34 AM | #41 | |
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Re: Tow Insurance
Quote:
I am very happy with the company and no no more expensive than other companies. |
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