NHTSA Complaint #11344159 — 2008 KEYSTONE MONTANA

GEICO IS REFUSING COVERAGE ON AN INCIDENT WHICH OCCURRED DURING TRANSPORT (IN MOTION, HWY 1-15 NORTHBOUND, NORTH OF LAS VEGAS, NV) OF MY RV. GEICO IS ONLY ABLE TO DENY THE CLAIM DUE TO LACK OF MAINTENANCE IF THE TRAILER/RV FAILS WHILE STORED OR NOT BEING USED. THE RV WAS BEING TRANSPORTED AT THE TIME OF THE LOSS AND WAS DEEMED ROAD-WORTHY BY A SUBJECT MATTER EXPERT PRIOR TO THE LOSS. THE TIRE COULD HAVE FAILED DUE TO MANY UNKNOWN VARIABLES, ALL OF WHICH ARE COVERED UNDER MY POLICY. IF THE TIRE SIMPLY FAILED DURING TRANSPORT, THEY MIGHT NOT COVER THE TIRE, BUT THE ENSUING DAMAGE WOULD BE COVERED. SUCH PROBABILITIES AS POTHOLES, DEBRIS, OR OTHER CONDITIONS WOULD REQUIRE GEICO TO COVER THE TIRE AND THE ENSUING DAMAGE. EITHER WAY, THE REFUSAL TO COVER THE INCIDENT IN TRANSPORT IS NOT LEGAL. GEICO CLAIMS A TIRE WAS NOT MAINTAINED. THE TIRES ARE 4 YEARS OLD, HAS LESS THAN LESS THAN 1500 MILES ON THEM, HIGHLY MAINTAINED SINCE PURCHASE 09-07-16, THE DATE TIRES WERE PURCHASED, WITH ONLY 2 TIRES ON THE SAME SIDE HAVING ISSUES OUT OF 4 TIRES. ONE OF THE PEOPLE PREPPING THE VEHICLE THE EVENING BEFORE THIS TRANSPORT WAS A VETERAN PROFESSIONAL RV TRANSPORTER, FORMER DEALERSHIP MANAGER FOR 2 DIFFERENT DEALERSHIPS, AND SERVICE WRITER. HIS EXPERTISE IS BEYOND NORMAL INSPECTION FOR TRANSPORT OF RV'S/TRAILERS. THE TRANSPORTATION DRIVER IS A VETERAN RV/TRAILER HAULER 60+ YEARS TOWING AND OWNS/HAS OWNED MULTIPLE TRAILERS CONCURRENTLY FOR 40+ YEARS. THE DRIVER HAS HAD MULTIPLE CROSS-COUNTRY TRIPS INCLUDING TRANSPORTING OF THIS EXACT RV FROM NEW YORK TO ARIZONA 3 YEARS PRIOR WHEN THE FULL SET OF NEW TIRES WERE PURCHASED IN MISSOURI (ON 09-07-16 AT JOPLIN TIRE AND AUTO). THE DRIVER HAS A METHODICAL SAFETY CHECKING ROUTINE PRIOR TO DEPARTURE AND REGULARLY METHODICAL SAFETY CHECKS DURING TRANSPORT.