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Old 09-27-2016, 09:14 AM   #11
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Wait, the sun rises, when did this happen.

Banks, lawyers and insurance companies, its all a matter of who is causing pain in the instant.

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Old 09-27-2016, 09:35 AM   #12
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Good information here...
I had a similar circumstance this year. 2011 Puma bought ? 09-13. New unit was $28K(i have the papers). I paid $18.5K at purchase. When the unit was totaled the insurance said they were paying 16??K based on available similar units. I had but several thinks on there and took most off as the only request the insurance said that it had to have everything it came with. They marked it up about $500 more dollars. The only thing I didn't take off(that I wanted) was the converter. I found the old one later and should have changed it. I even got the towel racks and stuff. I also didn't get my drinking water faucet/fiitration system I installed. Lost $100+ on that.
All that being said... They salvage hauler company that picked it up could care less. Never looked in or under. No paperwork, no pictures, no inspection...nothing. Looking back. I should have asked for more. Only thing I have is a couple pics of them sadly hauling it away. The guy that picked it up obviously cared nothing about it. The OK door was sprung and he was prying on it with all the tools he had and never got it closed. He ended up strapping it down and hoping for the best. One other thing...He had it hitched so high that the bumper prolly wasn't 8 inches off the ground. Poor old trailer. I felt very sorry for it as it was my baby.
Hope all of your experiences work out OK... I can certainly feel your pains.

totalled 04-11-16 by storm(picking up new one 10-26-16)
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Old 09-27-2016, 12:41 PM   #13
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All depends on your insurance coverage. Progressive and Good Sam cover full replacement up to the first five years then full amount you paid for your rig forever.
You won't get remembered for tax and license.
Gary and Donna
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Old 09-27-2016, 12:53 PM   #14
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I totaled a 33' TT about 14 years ago and working through AAA here in California, got a good, reasonable settlement on the entire deal. I can tell you there are some excellent negotiation points here in the answers and it will pay you to follow them as well as possible.
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Old 09-27-2016, 01:59 PM   #15
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All excellent points above. I had hail damage to a pickup several years ago and the insurance company came back with a low ball bid. They said if it cost more then the repair company could contact them for additional funds. I told them the option to repair it was mine and that they should give me full damages. Long story short, I wrote to the state (TX) insurance board with all my saved correspondence, and Viola', about a week later my insurance company asked me to take it to the local GMC dealer and their adjuster met with them. Actually received a check for more than I had been asking for! If all else fails, write the state insurance board, they REALLY do not want their clients writing about them and usually jump very high for the Board.
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Old 09-27-2016, 02:03 PM   #16
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Originally Posted by DDC View Post
I have total replacement on mine and that would be what I would be looking for, ask them when they can deliver it to your driveway.
i just put the Canadian value on ours for replacement and it was purchased in the USA for 10,000 less than Canada.
i remember totalling a car that had current model year coverage and they offered me less that the price 3 yrs before that. when i spoke with my lawyer he said do one of 2 things

take the offer or tell them that the car that was totalled was the best car ever and that you wanted it fixed. that you were so upset over loosing the vehicle you could not sleep at night it cost them almost 25 grand and every time it squeaked i took it in for repairs. they told the body shop they should have bought me a new current model car ...
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Old 09-27-2016, 02:19 PM   #17
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Originally Posted by bigguy214 View Post
Hi guys my camper is totaled and the insurance adjuster called me and gave me an offer that is 4500 dollars lower then for me to buy another one.Mine is a 2017 and they are still making them at the factory.So I refused their first offer and they called me back and went up 400 dollars and that is it.So I asked them where they got there price from because I cant even find a used 2017 in Michigan and they said they couldn't either but found some in Kentucky and north Carolina and that is where they got their value from.So I told them probably not on the offer and they said I would have to hire my own estimator and they would hire an estimator and go from there.Should I hire one or take their last offer I don't know what to do any help would be appreciated thanks
Progressive is the only insurance company I know of that offers you a brand new unit up to 5 years after you buy yours if the unit gets totaled. I would talk to the RV center and see if they will go along with what the insurance company is offering without you having to put any money on the new one. I'm sure something can be worked out in your favor.
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Old 09-27-2016, 02:24 PM   #18
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Who is your insurance company?
Years ago I was with State Farm and had a bad accident head on in a three month new Mercedes. State Farm wouldn't total it even with a frame/axel that needed to be rewelded, four months in the shop and $17,000. damage. I was paying on a car that had lost alot of it's value and hard to sell!
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Old 09-27-2016, 02:29 PM   #19
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Originally Posted by Telstar View Post
All depends on your insurance coverage. Progressive and Good Sam cover full replacement up to the first five years then full amount you paid for your rig forever.
You won't get remembered for tax and license.

X2 But then, I thought my Good Sam policy said up to 3 years newer hummmm.....I'll have to double check this.
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Old 09-27-2016, 06:17 PM   #20
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I'm sorry to hear of your lost RV, and truly hope no one was injured in the event that resulted in it being totaled.

I don't have my policy with me but paraphrasing My Policy defines replacement as: If within 5 model years of it manufacture date and is totaled, will replace with a brand new RV as closely equal in features as the RV. If after the 5 model years then I will be reimbursed the $$ value that I paid for my RV.

I learned the hard way when in 2007 our 2002 Beaver Santiam burnt to the ground. Our policy was similar to the above statement with the caveated statement "Or at our discretion we will pay current market value". That statement relieved the Hartford of replacement costs and left us $50K short of paying off the bank.

Trust me that I now have a different provider and a clearly spelled out definition of replacement value. Also my premiums reflect the added protection.

In all fairness I should note that the issue wasn't really with Hartford, because they do have a true replacement policy available, but rather an agent who promised one thing but then sold something else at a lower price to make the sale.

Good Luck with your negotiations. I would suggest the it is always easier to go in low key and them the chance to do the right thing. You can always negotiate more rigidly if necessary.


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