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Old 07-07-2013, 08:39 PM   #1
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new camper was hit today

Coming home from a camping trip at our local state park hubby was pulling the camper and coming up onto a ramp from another road and was waiting to merge and 2 vehicles slowed down to allow hubby to come into the lane when some lady in a older dodge ram 3500 swerved to avoid the slower vehicle and went onto the shoulder and hit the corner of the camper. it is a 2013 and we only have had it out 5 times. Anyone have an accident in their camper, can this be fixed?

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Old 07-07-2013, 08:41 PM   #2
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Old 07-07-2013, 08:45 PM   #3
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Sorry to hear about your accident. I hope everyone is ok. Did you get a police report?

Yes, it can be fixed. Just be sure it's on HER insurance, not yours.

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Old 07-07-2013, 08:47 PM   #4
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That is what is known as a crying shame - and also what appears to be a flesh wound.

Sorry this happened - glad no one was injured. Hopefully be back in shape soon.
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Old 07-07-2013, 08:48 PM   #5
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Sorry you had such bad luck with your new camper. A body shop competent in fiberglass should be able to fix this easily. I would ask your local RV dealer where they send their body work, most dealers do not have their own body repair and painting facility, they subcontract it to a local body shop.

We had some warranty body work done on our coach by Howard RV in Wilmington, NC, they subbed it out to another vendor who did great work, if you live in that area you can call them and I'm sure they'd be happy to tell you.

And I agree with Lori, it should definitely be on her insurance!
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Old 07-07-2013, 08:52 PM   #6
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I pick up the police report on Tuesday and she was ticketed but not sure what for or what kind of insurance she has. It is mostly outer shell damage, no damage to the outside kitchen or inside the camper. Just sucks this happened. Should I contact the warranty we have on the camper? What should I ask the insurance adjuster?

thanks for the tip for asking our local dealer about where to send it to get fixed.
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Old 07-07-2013, 08:55 PM   #7
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That is totally fixable. It will look like new after it comes out of the shop, as long as it is a reputable one. If you are in a no fault state, it don't matter, it will be your insurance. They deal with getting paid, not you.

Regardless, if that is all the damage done, than it is good it was not too bad.
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Old 07-07-2013, 08:59 PM   #8
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that is what I told my husband that it wasn't that bad, could have been worse but he was upset cause nov of 2011 he was tboned and out of work for 8 months and we had such a hard time with insurance(the other guys) and he felt bad but it wasn't his fault. I just hope we can get it back to camp some more this year
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Old 07-07-2013, 09:01 PM   #9
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It's not a warranty issue.



It's not clear to me whose insurance agent you're talking to- I hope it's YOURS. Regardless of whose/which company pays for the damage, you must let your company manage this loss. In fact, you're probably obligated to do so...

Don't let the other person's insurance adjuster tell you what to do next- let yours. They'll probably want you to get bids....
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Old 07-07-2013, 09:09 PM   #10
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As Francesca says, you should notify your insurance carrier. If your carrier specializes in RV insurance (like Good Sam RV insurance) they may actually deal with a reputable shop that can work on big rigs. You can ask them. Dealing with the auto insurance on the truck may be a bit time consuming because they may ask for several bids. If they give you the run around deal with your carrier and the will subrogate against the other carrier and hopefully get your deductible back as well as the money they spent. No reason you should be down just because the other carrier can't make up their mind as to how much to pay you.

Good luck and glad no injuries in your family.
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Old 07-07-2013, 09:57 PM   #11
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we have our insurance through state farm.
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Old 07-07-2013, 10:05 PM   #12
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Go to both insurance companies. Yours will fight to get theirs to pay, and pay correctly. Get an RV place to do the estimate since there are some RV specific things on there.

Anything is fixable, and that def. is.
New trim, fiberglass work, lights, decals too. Not really a big deal.
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Old 07-07-2013, 10:52 PM   #13
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I am going to call our local dealers and get a feel on where to take it for an estimate. do we need to take everything out of the camper while they work on it or just the bedding in the back?
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Old 07-07-2013, 10:58 PM   #14
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Quote:
Originally Posted by ehstrojette View Post
we have our insurance through state farm.
So- have you talked to them yet?

I keep hammering on this point because I can tell you from my own experience that the number one thing that will hurt you with your insurance company is to NOT inform/involve them immediately in the event of a loss. No matter who's responsible. And the blot on your record will follow you around from company to company, too.

I had a minor fender bender (my fault) while out of town, and before I even got home the other party had contacted my insurance company. Throughout the "investigation", the only thing they seemed to care about was that I had "not contacted them in a timely manner". As if I'd HAD any time.

Your contract with them likely requires that you inform them immediately, regardless of who may be at fault. Do NOT attempt to manage this on your own without their involvement/oversight. Let them fight out liability with the other company- that's what they're there for.
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