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Old 07-31-2020, 05:40 PM   #101
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Originally Posted by Travelin' Texans View Post
If your friends premiums were paid up then he should find a new insurance company or at least a new agent.
I've never seen the disclaimer on my policy that said I couldn't do my own work or risk no coverage.
I agree: there's also more going on here than meets the eye...

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Old 07-31-2020, 07:44 PM   #102
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Originally Posted by taylorbob1 View Post
Here’s an interesting thread related to what you are discussing.
Many drive too fast when towing. And some on the Forum are admitting it.

In CA, the speed limit for trucks and towing is 55.

Tortoise or Hare
I had a similar discussion on another forum. It started as complaints about the guy doing the speed limit in the fast lane and moved onto a speed limit discussion.

I think that brakes on a TOAD add to peace of mind. They of course add to safety also. In all reality they shouldn't be needed because we are all driving at an appropriate speed and following distance to avoid and need to do any hard braking. But then there is reality too
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Old 07-31-2020, 07:52 PM   #103
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As far as insurance coverage, I agree with Boband Travelin Texan here. If your company doesn't cover you and you were following laws and not being negligent you need a better company or lawyer.

Insurance doesn't get to decide the quality of the items you are using. The law decides that. Your policy covers your homemade tow bar(assuming its reasonably solid) just as much as a $1000+ dollar blue ox. If you don't have extra brakes and they aren't required you are covered. Unless something in your policy says otherwise, which I seriously doubt.

Has anyone had an experience where they were found negligent and insurance didn't cover something because of who built it or insurance trying to claim you were required an item you weren't?

I have only made a few insurance claims and the only thing not covered was my lift kit when I was a kid. I didn't pay for the accessory coverage. I do now. I see a lot of what ifs about insurance coverage and being sued for negligence, but it seems like a high burden of proof for both. I think it would be easier in both cases to say you were driving too fast or too close for conditions and thats why you couldn't stop. I know thats what the accident report will say.
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Old 07-31-2020, 08:49 PM   #104
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Originally Posted by Harley97 View Post
As far as insurance coverage, I agree with Boband Travelin Texan here. If your company doesn't cover you and you were following laws and not being negligent you need a better company or lawyer.

Insurance doesn't get to decide the quality of the items you are using. The law decides that. Your policy covers your homemade tow bar(assuming its reasonably solid) just as much as a $1000+ dollar blue ox. If you don't have extra brakes and they aren't required you are covered. Unless something in your policy says otherwise, which I seriously doubt.

Has anyone had an experience where they were found negligent and insurance didn't cover something because of who built it or insurance trying to claim you were required an item you weren't?

I have only made a few insurance claims and the only thing not covered was my lift kit when I was a kid. I didn't pay for the accessory coverage. I do now. I see a lot of what ifs about insurance coverage and being sued for negligence, but it seems like a high burden of proof for both. I think it would be easier in both cases to say you were driving too fast or too close for conditions and thats why you couldn't stop. I know thats what the accident report will say.


Not a vehicle issue, but not long ago we had roof damage to our newish home from a wind storm - as did many of my neighbors. My insurance company (who will go unnamed but they are like a good neighbor) denied my claim because, they said, the builder didn’t install the shingles correctly. We eventually prevailed but had to track down the builders roofing sub and get them involved.
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Old 10-15-2020, 05:15 AM   #105
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Originally Posted by Pete'sMH View Post
I did the same thing myself to tow my 2004 LJ. I found my Ascent tow bar in the Amazon Warehouse and use the Stay In Play permanent braking system on the Jeep. Just flip a switch any you’re good to go. I enjoyed the installations and found it all to be straightforward. I added a wireless repeater to the Jeep’s brake light switch so that I could see exactly when my Jeep was applying its brakes. Works a treat in about 3000 miles so far.
I was paranoid, so I installed a brake disconnect switch under the hood on the Jeep. We've only towed it a couple hundred miles so far. I made a towing checklist, which works great... when I follow it! The last trip I didn't, and forgot to leave the ignition switch in the proper position. I drove about 100 yards and knew something was wrong... The transmission wasn't disengaged! STUPID ME! I'll never make THAT mistake again!😳
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Old 10-15-2020, 12:43 PM   #106
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I hope that nothing was damaged...
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