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Old 08-25-2012, 10:26 AM   #1
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Total loss in Kentucky

While traveling home from Disney World, we had an accident in our Four Winds class C that was determined to be a total loss.

No injuries except to our pride. The insurance adjuster has not made an offer yet, but should soon.
First, any suggestions from those that have gone thru this in the past on how to settle, and
Second, what percentage should we expect the ins rates to go up?

The coach had 2,200 miles on it. Not even a month old! Sticker price without any other add ons was just over 97,000.

Thanks for your ideas
Reds man
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Old 08-25-2012, 10:35 AM   #2
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Ouch! Can't offer anything except my thanks that no one was hurt.
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Old 08-25-2012, 10:43 AM   #3
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First: I'm glad to hear no one was hurt.

Second: Get all your ducks in a row. Find all your paper work from buying it. Have all your cost figured up.

Do you have a loan on it? What is pay off?

Do you have gap insurance?

Is there a replacement clause in your contract?

Third: Find a replacement model. Get all it's cost figured, so you know how much it go to cost to start all over.

The more information you have the better off you'll be to negotiate dollars.


Have your dollar amounts ready when they come back with theirs. You payed them to protect your monetary investment. The adjusters job is to try and save the company money. Your job is to collect what they owe.


Good luck.
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Old 08-25-2012, 10:58 AM   #4
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Quote:
Originally Posted by PDR John
First: I'm glad to hear no one was hurt.

Second: Get all your ducks in a row. Find all your paper work from buying it. Have all your cost figured up.

Do you have a loan on it? What is pay off?

Do you have gap insurance?

Is there a replacement clause in your contract?

Third: Find a replacement model. Get all it's cost figured, so you know how much it go to cost to start all over.

The more information you have the better off you'll be to negotiate dollars.

Have your dollar amounts ready when they come back with theirs. You payed them to protect your monetary investment. The adjusters job is to try and save the company money. Your job is to collect what they owe.

Good luck.
Yep, we have a replacement insurance clause. Also, we have a GAP policy. We also have a loan on the coach.

Redsman
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Old 08-25-2012, 11:04 AM   #5
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Sounds to me like you should get exactly what you have back and don't take less.
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Old 08-25-2012, 11:32 AM   #6
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Your insurance probably doesn't pay repalcement value unless and until you actually replace it, so the initial insurance check will be for ACV (market value). You can negotiate market value a bit, since finding a current year used one with only 2200 miles will be nigh unto impossible. In any case, your gap coverage will cover the difference on the load, then you can go shopping for another of same or greater price and your insurer will write you another check for the difference between the ACV and the replacement cost (up to the original repalcement value).
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Old 08-25-2012, 12:07 PM   #7
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Press for sales tax money as well.
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Old 08-25-2012, 02:07 PM   #8
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We had a simular case with our first 01 Dodge 3500. It was totaled (not our fault) with about 7500 miles and 5 months old. Their insurance paid all our original costs plus some things I had added afterwards. I added an exhaust and brake control that I remember.
Good luck and hang tight.
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Old 08-25-2012, 02:34 PM   #9
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Quote:
Originally Posted by Redsman View Post
While traveling home from Disney World, we had an accident in our Four Winds class C that was determined to be a total loss.

No injuries except to our pride. The insurance adjuster has not made an offer yet, but should soon.
First, any suggestions from those that have gone thru this in the past on how to settle, and
Second, what percentage should we expect the ins rates to go up?

The coach had 2,200 miles on it. Not even a month old! Sticker price without any other add ons was just over 97,000.

Thanks for your ideas
Reds man
The insurance co will pay what you paid, not the sticker price since you can usually get 25% off that. They will go by your purchase contract or just go find another one and buy it for you.
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Old 08-25-2012, 02:37 PM   #10
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You have gotten good advise here. What about contents loss? Where in Kentucky did this happen?

Probably a bad time to say this, but welcome to the iRV2 forum.
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Old 08-25-2012, 03:52 PM   #11
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If it was not your fault and you didn't get a ticket, your rates should not go up.

Do not mention lawyer unless it is a last resort.
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Old 08-25-2012, 04:15 PM   #12
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The insurance co will pay what you paid, not the sticker price since you can usually get 25% off that. They will go by your purchase contract or just go find another one and buy it for you.
Should add: what the ins. co. will usually do is go direct to the manufacturer or dealer and buy the same unit (since it's probably still a current unit) and replace yours with it leaving you owing what you owed before the accident.
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Old 08-25-2012, 04:26 PM   #13
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JMonroe, a moderator here on iRV2, might step up to provide good inforation on this subject. He is a retired insurance adjuster.

jack
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Old 08-25-2012, 11:45 PM   #14
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Hi Reds man, glad your not hurt. Machinery can be replaced, the insurance companies in general generally make it a pia process when they are involved. If they hesitate doing what the policy calls for, mention the lawyer a couple of times, then hire a good one.
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