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04-01-2015, 03:41 PM
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#1
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Junior Member
Join Date: Mar 2013
Posts: 4
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do you think my insurance would cover this??
A couple weeks ago, while pulling my trailer out of storage, I didn't swing wide enough and clipped a metal fence post. I ripped the awning and brackets clean off, and cracked the middle window.
I have a decent insurance policy with Progressive. Do you guys think this would be a covered repair? $250 deductible is better than a $1000 awning. I'm not even totally sure what category this would fall under in the policy.
Thanks for any advice you can send my way!
Paul
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04-01-2015, 03:45 PM
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#2
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Mod free 5er
Join Date: Mar 2008
Location: Concord, NC
Posts: 24,702
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Quote:
Originally Posted by paldss305
A couple weeks ago, while pulling my trailer out of storage, I didn't swing wide enough and clipped a metal fence post. I ripped the awning and brackets clean off, and cracked the middle window.
I have a decent insurance policy with Progressive. Do you guys think this would be a covered repair? $250 deductible is better than a $1000 awning. I'm not even totally sure what category this would fall under in the policy.
Thanks for any advice you can send my way!
Paul
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Nothing ventured, nothing gained or lost.
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04-01-2015, 03:49 PM
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#3
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Senior Member
Join Date: May 2013
Location: Here and there
Posts: 803
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My girlfriend did the same thing to my other 5er insurance covered it
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04-01-2015, 03:51 PM
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#4
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Member
Join Date: Mar 2015
Location: Connecticut
Posts: 69
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Yes, they should cover it. Prepare for insurance to go up, obviously.
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04-01-2015, 03:55 PM
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#5
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Phat Phrog Stunt Team
Join Date: Aug 2011
Location: Iowa
Posts: 34,507
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Quote:
Originally Posted by iceblaze580
My girlfriend did the same thing to my other 5er insurance covered it
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She still your g/f? [emoji12]
TURBS
08 duramax tuned n modded, 32bhok Sabre
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04-01-2015, 04:17 PM
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#6
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Senior Member
Join Date: Mar 2014
Location: Watauga, Texas
Posts: 697
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Insurance companies - got to love 'em...don't we?
I had a space that was VERY tight to get into and out of when we first got our 35' TT. In an effort to make as few reversing moves as possible I swung out hard and the back of my TT clipped the front of a Class A in the next stall  . I was good and went to the office and had them contact the owner and then called my insurance company. The damage was a wiper motor shaft on this 2002 Alpha and a small scuff on the front that could be buffed out. The insurance cheerfully repaired it and raised my rates by 28%!  I fixed the damage to the trim on my trailer myself, that is how "bad" the accident was; bent trim and wiper motor shaft. I figure I will have the wiper paid off in about 1 1/2 years at this rate. Can't live with them, can't live without them!
__________________
D_B Travelers - 39 nights in 2018, 58 nights in 2017. [U]1st love: 2014 TT WJ3001w, now 2016 40' FW SOB, 2015 GMC 3500HD CC DRW Duramax, TST 507rv TPMS.
"Happiness? A good meal, a good cigar and a good woman - or a bad woman; it depends on how much happiness you can handle." 
George Burns (1896 – 1996)
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04-01-2015, 04:23 PM
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#7
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Senior Member
Join Date: Sep 2014
Posts: 735
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I'm sure it'll be covered. You'll want to have your camper inspected to make sure you didn't cause more damage than you can see. Tearing an awning off is a lot of stress on the sidewall and you'll want to make sure you've not caused inadvertent damage to the box/structure, loosened the channel holding the roof membrane (if it's a fold-over install for instance), etc.
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04-01-2015, 06:34 PM
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#8
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Senior Member
Join Date: Sep 2010
Posts: 2,219
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As long as you have a separate trailer policy with collision insurance it should be covered. The policy covering the truck will not cover damage you cause to the trailer. If the trailer did damage to what ever you hit your truck's liability insurance would cover fixing that property.
2010 F250 5.4L 3.73
2011 Flagstaff 831FKBSS
Equal-i-zer 4pt 12K
__________________
2011 Flagstaff 831FKBSS
2010 F250 4X4 5.4L 3.73 LS
EQUALIZER E4 1200/12000
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04-01-2015, 06:47 PM
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#9
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Senior Member
Join Date: Oct 2012
Posts: 196
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Drag it up to the Goshen rally this summer and let the factory fix it. I did the same thing to my CC. I was going to repair it, since I did it. The factory said no no we want you to be happy. They put on a new lower panel, fender skirt, etc. Repainted and told me to have a nice day. CC is the best. (Forest River)
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04-02-2015, 06:32 AM
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#10
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Senior Member
Join Date: May 2013
Location: Here and there
Posts: 803
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Quote:
Originally Posted by TURBS
She still your g/f? [emoji12]
TURBS
08 duramax tuned n modded, 32bhok Sabre
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Yeah she is that was the last time I let her tow anything
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04-02-2015, 06:33 AM
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#11
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Phat Phrog Stunt Team
Join Date: Aug 2011
Location: Iowa
Posts: 34,507
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Quote:
Originally Posted by iceblaze580
Yeah she is that was the last time I let her tow anything
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Lol [emoji12] just checking!
TURBS
08 duramax tuned n modded, 32bhok Sabre
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04-02-2015, 03:09 PM
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#12
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Senior Member
Join Date: Feb 2015
Posts: 114
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She just did it to get out of towing. Now she can sit back and relax.
__________________
FOREST RIVER FW 8524RLWS
2010 FORD F 150 5.4
#1-18' Nomad #2- 20' Mallard #3- 27' Sunline #4- Four Winds C #5- Innsbruck 40' PARK # 6- 28' Amerilite #7- Forest River 26.5 FW ( 1st FW)
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04-02-2015, 03:37 PM
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#13
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Senior Member
Join Date: Mar 2014
Location: Watauga, Texas
Posts: 697
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Girlfriends and DW
Quote:
Originally Posted by SULTINI
She just did it to get out of towing. Now she can sit back and relax.
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You guys do realize they are smarter than us, right? My DW always has trouble doing something she really didn't want to do. So...in frustration I end up doing it. Have fun doing all the driving guys! 
__________________
D_B Travelers - 39 nights in 2018, 58 nights in 2017. [U]1st love: 2014 TT WJ3001w, now 2016 40' FW SOB, 2015 GMC 3500HD CC DRW Duramax, TST 507rv TPMS.
"Happiness? A good meal, a good cigar and a good woman - or a bad woman; it depends on how much happiness you can handle."
George Burns (1896 – 1996)
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04-02-2015, 03:40 PM
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#14
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Site Team - Lou
Join Date: Oct 2009
Location: South Eastern PA
Posts: 23,269
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Quote:
Originally Posted by lbrjet
As long as you have a separate trailer policy with collision insurance it should be covered. The policy covering the truck will not cover damage you cause to the trailer. If the trailer did damage to what ever you hit your truck's liability insurance would cover fixing that property.
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This is totally the correct answer. 
__________________
Lou & Freya the wonder dog
2008 GMC Sierra 3000HD Allison Duramax
2019 Flagstaff 8529FL
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04-02-2015, 03:45 PM
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#15
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Senior Member
Join Date: May 2013
Location: Here and there
Posts: 803
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Quote:
Originally Posted by SULTINI
She just did it to get out of towing. Now she can sit back and relax.
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You mean sit back and nag
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04-02-2015, 03:48 PM
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#16
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Senior Member
Join Date: Mar 2014
Location: Watauga, Texas
Posts: 697
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And you said that...out loud? OMG! Living on the edge iceblaze!
__________________
D_B Travelers - 39 nights in 2018, 58 nights in 2017. [U]1st love: 2014 TT WJ3001w, now 2016 40' FW SOB, 2015 GMC 3500HD CC DRW Duramax, TST 507rv TPMS.
"Happiness? A good meal, a good cigar and a good woman - or a bad woman; it depends on how much happiness you can handle."
George Burns (1896 – 1996)
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04-02-2015, 03:54 PM
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#17
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Senior Member
Join Date: Feb 2015
Posts: 114
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Thanks for the correction Ice. Glad my OL don't read this stuff.
__________________
FOREST RIVER FW 8524RLWS
2010 FORD F 150 5.4
#1-18' Nomad #2- 20' Mallard #3- 27' Sunline #4- Four Winds C #5- Innsbruck 40' PARK # 6- 28' Amerilite #7- Forest River 26.5 FW ( 1st FW)
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04-02-2015, 03:55 PM
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#18
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Senior Member
Join Date: May 2013
Location: Here and there
Posts: 803
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I've said it to her face many times and I'm still alive
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04-02-2015, 04:17 PM
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#19
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Mod free 5er
Join Date: Mar 2008
Location: Concord, NC
Posts: 24,702
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Quote:
Originally Posted by iceblaze580
I've said it to her face many times and I'm still alive
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But look at the shape your body is in!
__________________
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04-02-2015, 04:19 PM
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#20
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Senior Member
Join Date: May 2013
Location: Here and there
Posts: 803
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Quote:
Originally Posted by OldCoot
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As long as can still run my mouth I'm good
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