Reply
 
Thread Tools Display Modes
Old 06-22-2016, 10:12 PM   #11
MCTroy
 
Join Date: Sep 2014
Location: Troy.Ohio
Posts: 504
I agree with having the receipts for any mods. We had an old car totaled. I showed all the recent repair and upgrades we did and got an additional $1000. Not bad for a 20 year old car.
__________________

__________________
2015 Windjammer 3029 Diamond Edition
2011 Ram 5.7 hemi
Ohio River Rat
Hurry Spring 2018! We have plans ready!
MCTroy is offline   Reply With Quote
Old 06-22-2016, 10:19 PM   #12
Member
 
Biker's Avatar
 
Join Date: Apr 2013
Posts: 91
Got rear-ended in 2014. Insurance company totaled the trailer. Would not cover any add-ons. Gave me 2 weeks to remove the add-ons. Got them all off along with a few other items, since it was going to be scrapped.
__________________

__________________
Ride Safe, Wave, I'll Wave Back.
Retired Paramedic, Emergency Dept. Director.
2014 Work and Play 38RLS, Black, no decals.
2012 Ram 3500, diesel, 4X4, dually, black, de-badged.
1994 Harley Heritage Softail, black.
2014 Honda Pioneer, not available in black.
Biker is offline   Reply With Quote
Old 06-23-2016, 09:18 AM   #13
Senior Member
 
Brother Les's Avatar
 
Join Date: Jul 2013
Location: BoCoMo
Posts: 1,803
Quote:
Originally Posted by MCTroy View Post
I agree with having the receipts for any mods. We had an old car totaled. I showed all the recent repair and upgrades we did and got an additional $1000. Not bad for a 20 year old car.
Your 'agent (or you)' may have committed fraud against his insurance company. the 'add on' stuff is yours and you can remove them from the vehicle, but the insurance company has no obligation to 'buy' the 'add on' items (mods) that you installed. Any 'repairs' is part of 'maintenance and cosmetic' and will only add to a higher rating in the 'Blue Book' value. Receipts may show that you 'think' that you added value to your vehicle, but you may not have been paying the higher value insurance RATE for those add on's. Again.... some one may have committed fraud, either on the front end....(rates) or the back end.....(pay out).

We will now revisit your policy and ask for a refund and reprimand our (former) agent for trying to over ride company policies.
__________________
Brother Les

2013 Forest River Salem Hemisphere SBT312QBUD

2001 CrewCab F-250 7.3 PowerStroke Diesel
SuperChip, BTS transmission, 6.0 Trans Cooler
Brother Les is offline   Reply With Quote
Old 06-23-2016, 05:19 PM   #14
Retired Techie
 
Join Date: Jan 2015
Location: Lowell Mi
Posts: 155
27RR one live it is. Basically a 26RR with a slide out
__________________
2005 Wolf Pack WP22-2016 Grey Wolf 26RR-Gone
2004 Siverado 2500HD Duramax
2013 Keystone Springdale 5r
1998 Honda Valkerie
2016 Camping 148 days so far
moligney is offline   Reply With Quote
Old 06-23-2016, 08:51 PM   #15
MCTroy
 
Join Date: Sep 2014
Location: Troy.Ohio
Posts: 504
No fraud. Any insurance claim can be negotiated. We only proved the value of our vehicle was better than blue book average retail.
__________________
2015 Windjammer 3029 Diamond Edition
2011 Ram 5.7 hemi
Ohio River Rat
Hurry Spring 2018! We have plans ready!
MCTroy is offline   Reply With Quote
Old 06-23-2016, 10:14 PM   #16
Senior Member
 
kittlecat's Avatar
 
Join Date: Jun 2016
Location: Michigan
Posts: 192
Removing add-ons

When my last TT was totaled, I had put brand new tires on all the way around less than a year earlier. Rather than fight with my insurance company about the tires, I had the RV dealer where the TT was at for what I thought was service, remove the new tires and install 4 pieces of junk tires I got at a junk yard. I removed everything I had added on to the TT without stripping it of things like the fridge, a/c, microwave, etc., as those are standard. My insurance company did pay me for improvements I had made to the TT and was unable/unwilling to remove (I had to give them copies of receipts) such as an electric tongue jack, etc. If you don't have receipts for your add-ons or they were added more than a year ago, I would pull them and not say a word to your insurance company. My insurance company never even looked at my TT again once it was decided the coach would be totaled as the coach was going to auction to be parted out. The RV dealer had literally ripped the interior of the TT apart removing flooring to expose the mold damage and the TT was trashed so no one cared what I took or left. Probably could have stripped it down to nothing but did not.
__________________
kittlecat is offline   Reply With Quote
Old 06-24-2016, 09:35 AM   #17
Senior Member
 
Join Date: Nov 2015
Posts: 196
I looked at a 27rr online. Concerns I had was maintenance and leak issues with slide outs, also not being able to access camper while traveling. My wife likes to be able to make sandwiches and things while traveling. Also dislike the no door to bedroom with the 27rr...
__________________
drb1984 is offline   Reply With Quote
Old 06-24-2016, 09:40 AM   #18
Senior Member
 
Join Date: May 2012
Posts: 513
My toad was totalled by an 18 wheeler on my last trip home. I was pleased to learn that my insurance included $1500 in "modifications" to the vehicle. Over $1300 of that was added to the car's value to cover the towing assembly (parts + labor) and replacement package parts cost for the braking system.

The control uint for the braking system and all of the taillight diodes were removed and will be used for the replacement vehicle.

Phil
__________________
pmsherman is offline   Reply With Quote
Old 06-24-2016, 09:47 AM   #19
Fulltime family RVer
 
ependydad's Avatar
 
Join Date: Nov 2011
Posts: 14,773
Your saga would be so much easier to follow if you stuck with just one thread.
__________________
2012 Ram 3500 DRW/crew cab/long bed/4x4/4.10 gears pulling an early 2013 Sabre 36QBOK
Checkout my site for RVing tips, tricks, and info | My family and I have fulltimed since June 2015
ependydad is offline   Reply With Quote
Old 06-24-2016, 10:38 AM   #20
Senior Member
 
Join Date: Aug 2014
Location: West Jordan, UT
Posts: 829
Quote:
Originally Posted by ependydad View Post
Your saga would be so much easier to follow if you stuck with just one thread.
Agree,

what is the other tread, Id like to take a look at it and the pics?
__________________

__________________
2018 XLR Nitro 36T15
2015 GMC 3500 6.6/Allison

Nights Camped (2017- 16) (2016-13) (2015-13)
SuicideSaints is offline   Reply With Quote
Reply

Tags
led

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off



» Virginia Campgrounds

Reviews provided by




ForestRiverForums.com is not in any way associated with Forest River, Inc. or its associated RV manufacturing divisions.


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -5. The time now is 01:52 PM.