We were pleasantly surprised with the campground at Laguna Seca. For $33/night with Jim’s $2 senior discount, we have electric and water at our site, and there is a dump station, flush toilets, and showers.
We even have a nice view of the green hills between Monterey and Salinas.
Some of the sites overlook the Mazda Raceway, which has practicing drivers on a daily basis. There is also a shooting range on the other side of the campground, so depending on where you park you either hear racecars or gunshots, but it hasn’t been bothersome since it’s been cool and we haven’t had windows open.
It’s also rained off and on since we got here yesterday, which is good news since this part of CA really needs the rain. We did squeeze in a little hike between showers. These would have been great trails to mountain bike on.
Speaking of bikes, we did take a drive to Monterey and Carmel to look at a few bike shops but didn’t really see anything we were interested in.
And I saw a recipe on Watson’s Wander blog this morning for these Honey-Lime Sweet Potato Black Bean Tacos that sounded so good I had to make then tonight. I must say they were excellent, and Jim concurred. I will definitely be making these often!
And now I turn this post over to Jim for some insurance talk:
Since people asked I thought I would give you an update on our insurers handling of the stolen bikes.
I first reported the loss to the Salinas PD yesterday morning. Couldn’t reach them by phone, their voicemail box was full. I was able to submit the report online. As you can imagine, other than an automatic email saying they got it I heard nothing else.
I took photos of the car and scene and then contacted our insurer, National General Insurance, formerly known as GMAC. Other than a windshield claim this is the first experience we have had with them. They took my report and within a couple of hours I was contacted by phone by the claims rep assigned to our claim.
I discussed the loss with him and advised him that I had photos of the bikes, serial numbers and receipts for all the stuff that was taken. I emailed all of those records to him late yesterday afternoon. This morning I received an email noting they have sent payment with an itemization of what was paid for each item.
We have what is known as fulltimers coverage, which includes some coverages that are similar, if not identical, to what you will find in a homeowners or tenants policy. It includes personal property coverage in an amount that we specified. It also covers our personal property at replacement cost value. However, generally you don’t get the replacement amount until you actually replace the item. In this case the bikes were so new I assume they decided to not apply depreciation pending our replacing the items.
One commenter mentioned that his policy covered property only when it was attached to his RV. I had not heard of coverage that limited before. Our policy covers your personal property up to the limit of the policy at your campsite. This means anywhere you park your RV and the surrounding area. Had we taken the bikes on the car to a location away from the RV then the limit would have been reduced to some percentage of the personal property coverage. This is generally the case on a homeowners policy as well and the policy spells out the percentage it is reduced too. You can purchase insurance for specific items which will cover them wherever they are up to the limit and that is referred to as a scheduled item and is used most frequently for expensive items like jewelry, silverware, art, etc.
So, as far as I am concerned, their service exceeded my expectations. The service in my experience, having worked in insurance claims, was exceptional. Of course, this can all vary based on the claims person you deal with and the company. There is a good bit of fraud in theft claims.
I know that people love to complain about insurance companies and there are plenty of reasons to be aggravated with them. That said, you need to read your policy before a loss and have some idea as to how and what is covered. If you find that the coverage isn’t what you would hope for you need to find coverage that provides what you want and decide if the cost is worth the coverage.
Hope this info helps someone. Property and auto insurance can be a complicated subject and there is a lot more to this topic, but I suspect everyone fell asleep a couple of paragraphs ago.