RV Trip Planning Discussions

Go Back   iRV2 Forums > MOTORHOME FORUMS > Class A Motorhome Discussions
Click Here to Login

Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
Thread Tools Search this Thread Display Modes
Old 04-15-2011, 02:23 PM   #1
Junior Member
Farmhand's Avatar
Join Date: Sep 2009
Location: Frankston, Texas
Posts: 5
Angry Full Replacement Insurance Claims

I have my Motor Home insured with GMAC due to their offer of full replacement for a total loss during the first 5 years of its model life. All of my other insurance (vehicles, rent property, home, umbrella, etc.) is with State Farm who offer only depreciated value coverage for Motor Homes. SF has greatly raised the cost of my umbrella coverage since they now do not unsure "all" of my 4 vehicles. My SF agent contends that the full replacement coverage is a "bogus" offer since GMAC will never find that full replacement is justified. Has anyone ever had a complete loss and received the 5 year full replacement under SF or any other carrier?

Farmhand is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 04-15-2011, 02:48 PM   #2
Senior Member
Jack R's Avatar
Tiffin Owners Club
Join Date: May 2009
Location: Lacey, Wa
Posts: 630

I read on the Tiffin RV network site where a member's MH burned up. He had a 2006 phaeton. Insurance couldn't find a replacement so they bought him a 2011 replacement at no cost to him.


Jack R is offline   Reply With Quote
Old 04-15-2011, 08:41 PM   #3
Senior Member
dons2346's Avatar
Country Coach Owners Club
Join Date: Dec 2010
Posts: 5,594
We have a friend that rolled his '99 Tradewinds off the freeway. It was out of the 5 year replacement period but they did pay him what his invoice said he paid for the coach. He was with Progressive at the time.

Check your policy. If it is like mine, you will get a new coach within the first 5 years or they will pay you what you paid for the coach.
dons2346 is offline   Reply With Quote
Old 04-15-2011, 10:05 PM   #4
Moderator Emeritus
RickO's Avatar

Join Date: Jan 2007
Location: Litchfield Park, Arizona
Posts: 10,530
Interesting. I need to read my policy carefully I guess but I just renewed with Progressive and, on the declarations page, they listed a slightly depreciated replacement value and I thought I had full replacement coverage. The value is only about 12% less than I paid new 4 years ago but after reading some of these stories....

Rick, Nancy, Peanut & Lola our Westie Dogs & Bailey the Sheltie.

2007 Itasca Ellipse 40FD
RickO is offline   Reply With Quote
Old 04-16-2011, 10:12 AM   #5
Junior Member
Farmhand's Avatar
Join Date: Sep 2009
Location: Frankston, Texas
Posts: 5
Hey Guys,
Thanks for the response. With only two reported incidents of full replacement the issue is still cloudy. Having seen several wrecked/burned MH in wrecking yards I know that while rare, totaling out a unit does happen. Maybe other responses will come in, I am still interested in others experiences with any causality claims.
Farmhand is offline   Reply With Quote
Old 04-16-2011, 05:09 PM   #6
Senior Member
Rich and Cork's Avatar
Join Date: Jan 2006
Posts: 1,098
What does your policy state? I would assume it is real clear as to the coverage.
2001 34' Alpine Coach
2008 Jeep Rubicon or 2012 Ford F150 4x4 Lariat towds
or a couple of different trailers
Retired in Apple Valley, California
Rich and Cork is offline   Reply With Quote
Old 04-17-2011, 03:31 AM   #7
Senior Member
JOMARFL (FMCA 401058)'s Avatar
Fleetwood Owners Club
Join Date: Apr 2008
Location: Tampa, FL
Posts: 400
We totaled ours a few years back when someone side swiped us going 82 in a 45. Had GEICO and they totaled the coach (2008) and replaced it with another new one. Took 3 months, but they came through.
Papa John & Mother Mary 2008 Fleetwood Fiesta LX, 34N
2008 Hyundai Elantra - Toad
Tampa, Florida
JOMARFL (FMCA 401058) is offline   Reply With Quote
Old 04-17-2011, 09:22 AM   #8
Moderator Emeritus
Gary RVRoamer's Avatar

Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 20,501
A friend of mine totaled his 2002 Beaver last winter. After the first 5 years, his "full replacement value" coverage changed to "full purchase price" and he just received a check to cover the purchase price of a 2007 Monaco Neptune, that he bought as a replacement. The company is National Interstate.

The way purchase price coverage works (my policy is the same) is that they pay off the "actual cash value" (ACV) at the time of the loss, then pay an additional amount when you buy a replacement coach. The additional amount is the difference between the ACV and your original purchase price. It does not have to be the same make and model - just an equivalent value.

Gary Brinck
Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
Gary RVRoamer is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
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

Similar Threads
Thread Thread Starter Forum Replies Last Post
Halogen Puck Light Bulb Replacement JohnQ Gear and Product Discussions 14 12-25-2011 07:51 PM
LP Guage in coach does not work always reads full? pameridan04 Winnebago Industries Owner's Forum 6 07-30-2010 08:44 PM
MH broke into, little or no insurance coverage Retired House Husband Class A Motorhome Discussions 12 10-18-2008 06:59 AM
Insurance, Legal License &The Law. (LONG) Arctic Owl Canada Region 43 07-21-2007 01:10 PM
Top 5 Insurance Claims. What's yours? traveldawg iRV2.com General Discussion 7 11-09-2005 01:09 PM

» Featured Campgrounds

Reviews provided by

Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 01:28 AM.

Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2019, vBulletin Solutions, Inc.