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Old 02-21-2016, 11:25 AM   #1
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Got the A/C hung up with minor damage. Will StarRV Diamond Service Contract cover it?

Or do I need to fix it myself.

My fault, I did not see a chain hanging overhead, and it rolled across the top of the trailer, and luckily, I stopped before it did major damage.

But it grabbed the foam insulation between the roof and the A/C and slid it back 2" or so. Did not break the A/C off the roof or anything.

I am pretty handy, and wonder if I should fix it myself, or file a claim on my bumper-to-bumper warranty, or will they even cover it?

I paid $3500 for the Service Contract, and hope it will cover stuff like this.
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Old 02-21-2016, 12:39 PM   #2
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You've already paid for the policy, it can't hurt to see if they'll cover the damage. If it was regular insurance you pay for each year, it might be cheaper to repair yourself rather than file a claim and then have a rate increase.
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Old 02-21-2016, 12:46 PM   #3
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I'm guessing they will not since it was self inflicted.
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Old 02-21-2016, 01:02 PM   #4
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I'm guessing they will not since it was self inflicted.
Self-inflicted, but an accident. And probably a fairly common one, considering how many plastic A/C covers I see littering the highways.

It isn't "insurance", but a service plan, so there is no rate increase. I already paid the $3500. There would likely be a deductible or something like it in order to get the work done.

It seems like an easy job, I just have never worked on trailer A/Cs before. I would need to find a manual or website that shows me how these things are assembled.

So, if you drove into a gas station with a low overhang, and knocked your A/C askew, would these types of service plans cover the damage?

That is basically what I did here.

Luckily, VERY luckily...no serious damage. I don't know why I stopped when I did (bad feeling in my gut?), but it could have torn the A/C right out of the roof if I had kept moving another few inches.
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Old 02-21-2016, 01:33 PM   #5
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This is not a service issue, covered under regular accident/comp policy.


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Old 02-21-2016, 01:36 PM   #6
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This is not a service issue, covered under regular accident/comp policy.


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Makes sense. So file it with Geico or fix it myself?
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Old 02-21-2016, 02:53 PM   #7
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The collision rider on your insurance policy should cover it, minus the deductible. Try to determine the cost to repair it and weigh it against making a claim. You don't need your rates to go up.
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Old 02-21-2016, 05:24 PM   #8
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Your service contract covers mechanical breakdowns, e.g. worn parts. For accident damage, you need to look to your collision & comprehensive insurance. Since you ran into an object, collision would seem to apply, but contact your vehicle insurer, not the service contract provider.
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Old 02-22-2016, 07:10 AM   #9
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Alright. Thanks for the feedback.

I will probably just fix it myself, and save the hassle of losing trailer for a couple weeks.

It is just the gasket, should be cheap and fairly easy to replace.
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Old 02-22-2016, 04:13 PM   #10
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Looked it up. Gasket is $22 locally, will get one on the way home from work tomorrow.

The actual work looks VERY easy. Might take an hour, tops.

Glad I didn't make a claim on it. I didn't realize how simple the A/C system is.

Having not ever worked on one, I was scared at first that it was going to be a major ordeal. But it looks like swapping these gaskets out is pretty regular routine maintenance.
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Old 02-22-2016, 06:18 PM   #11
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You will have to disconnect line voltage and low voltage. Not a terribly hard job. Probably just bolted down with 4 lag bolts.
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Old 02-23-2016, 02:22 AM   #12
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Quote:
Originally Posted by Fred and Bonnie View Post
This is not a service issue, covered under regular accident/comp policy.
This would actually be covered by your vehicle collision coverage, not comprehensive.
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