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Old 09-26-2016, 04:51 PM   #1
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Hey guys camper is totalled but have an important question for you guys?

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
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Old 09-26-2016, 04:58 PM   #2
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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
Are you talking $4500 lower than MSRP? If yes, take it. You can probably get at least 20-30% off MSRP....
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Old 09-26-2016, 05:28 PM   #3
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Hi,
Sorry to hear about the trailer, I hope there were no injuries?
What make and model is the 2017?
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Old 09-26-2016, 05:35 PM   #4
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Just like a car. you drive it off the lot, it is not 'new' anymore, but a used unit. Are you to 'buy' a new one, it will be higher, the 'used' will be lower. What does you 'policy' say? Full replacement value of like unit or value when wrecked? If you are in possession of your unit right now... strip what you can off of it and then take the money, hand the unit over and then don't look back.

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Old 09-26-2016, 06:13 PM   #5
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Just like a car. you drive it off the lot, it is not 'new' anymore, but a used unit. Are you to 'buy' a new one, it will be higher, the 'used' will be lower. What does you 'policy' say? Full replacement value of like unit or value when wrecked? If you are in possession of your unit right now... strip what you can off of it and then take the money, hand the unit over and then don't look back.

imo
X2. Take the cash and dash. You'll prolly make a few bucks finding one on-line for less $$.
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Old 09-26-2016, 06:19 PM   #6
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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.
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Old 09-26-2016, 06:32 PM   #7
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Before I did anything I would ask what they are comparing it to. Ask for a comparison sheet their appraiser used. Often times they are not thorough or are inaccurate. They do that so they can offer you a lower settlement. When you get the sheet if there is one, compare it to the accessories you have on your trailer. Definitely a place to start negotiating for a little more money.

I have added quite a few things like upgrades to tires, maxairs, WD hitch, extra stabilizers, and the trailer came with extras like generator, awning, special trim package, so don't give those all away as far as the replacement cost. Also don't assume you can use them on the new trailer.

Then when you have gone as far as you can, agree that is probably close but the replacement is in another state. It's obvious that there will be costs in missing work and towing expenses. Missed work is a tough one to get but mileage is legit!! Take an average of the places he has proposed since you don't know who you will purchase from.

If they won't go for that, or you are still a long way apart, ask for his direct Supervisors name and contact info. They will be hesitant to do that!! Ask if they are refusing to give you the name! You will get the name of a person. That person generally doesn't know anything about the transaction and doesn't want to be involved.

Never talk to the original adjuster again unless he is making a new offer. Guaranteed he has been told by the Supervisor to sweeten the pot.

During this negotiation, always be polite but firm. Never yell or scream. When you do you lose immediately !

Look for a fair solution! Recognize that your trailer is not worth what you paid for it! Depreciation sucks!! I would take all of the things out of the trailer that you are not being paid for. Not the stove and refer, toilet!

Remember, this is a negotiation and you are the only one representing your interests.

Hope this helps. Let me know


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Old 09-27-2016, 08:03 AM   #8
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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.
'Total Replacement' is on the Value of the Unit about 5 minutes before it was 'Totaled'..... meaning... a Used Unit.... not a Brand New Unit....

'We' read into the policy what 'we' want it to say (Replace NEW) and not what it really says... (Replace as is...Used).
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Old 09-27-2016, 08:47 AM   #9
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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
Ok, a couple things. If you have an agent, call them as they are the closest thing to reasonable in your scenario to explain your rights and the obligations of the insurance co, but don't place too much on that avenue, it's more for your understanding. Next, please read your policy so you are on the same footing as them. Go to any and all area dealers that deal with your make and model and have them give you a written quote in WRITING on the retail value of your unit, and if they would order one for you from the factory for the stated replacement cost offered by the insurance company .
It does not matter what state you live in, the general legal doctrine that governs is this; you MUST be put in the position (i.e. value) you were in immediately before your loss.
They MUST also reimburse your loss amount by including transportation costs of said found units, to your principle place of residence. Call the named dealers who they say have your unit in stock and ask for a quote to ship it to your address if you feel your ins. co is not being accurate. ALSO, if the like kind units they are quoting you are from private sellers, you need to contact your dealer and ask them if the stated warranties on the component parts (fridge, stove, AC, etc) transfer to you, when the unit was previously owned. You are to be put into a position immediately prior, means with the value of the remaining warranties as well valued in the settlement. YOU are not the transporter, but you also need to feel comfortable that the unit is the same make, model and cond., so that is your comfort zone that only you can address. So, as an example, a unit that was owned by a smoker needs to be throughly cleaned and decented, prior to your acceptance. Again, a value equal to yours immediately prior to the loss.
Begin right now by taking contemporaneous notes of ALL information.
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Old 09-27-2016, 08:58 AM   #10
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For what it's worth ... let your dealer know you are in need of an INSURANCE REPLACEMENT ... down under the covers, they can adjust the price, sometimes even work with factory, to provide a discount if the insurance company cuts the check straight to them for the replacement unit.
You need to do this BEFORE you sign / settle with insurance company.
For the manufacturer / dealer, it means they get to move another new unit ... as opposed to you going to another brand or dealer, so it is in their interest to make insurance replacements work. If you have a 2017 the "newness" is pretty self explanatory (that presuming that you are working with people who grasp advanced concepts like sunrise and gravity.)
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