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Kneedeep0525 · 06-14-2017, 06:59 PM

Yesterday on our way home with our truck and tt we were involved in an accident. We found out today that our truck will be considered a total loss. We are supposed to meet the adjuster tomorrow to check our tt which was also heavily damaged. The other driver, who was at fault, has Farmer's insurance and a rental vehicle is being provided for our use during this time. We are being told by the RV dealer we had the trailer towed to that repairs will take the rest of the summer. Busy time for them. My question is: Is it reasonable to expect loss of use compensation for our trailer? We had several other trips planned for this year with the kids and grandkids, but that will not happen. Any suggestions? I've never been involved in an accident with a trailer and would appreciate any ideas on what to expect and what to look for with the adjuster.

Thanks

Tom

**Spdracr39** · 06-14-2017, 07:18 PM

It is reasonable to expect it but I would say unless you get a lawyer and have him lay out your actual costs that will be lost you are not going to get anything on loss of use for a recreational vehicle. You are probably going to be approaching the maximum limit of the other persons liability insurance coverage. States only required $25,000.

Pricejh · 06-14-2017, 07:49 PM

Quote:

Originally Posted by spdracr39

It is reasonable to expect it but I would say unless you get a lawyer and have him lay out your actual costs that will be lost you are not going to get anything on loss of use for a recreational vehicle. You are probably going to be approaching the maximum limit of the other persons liability insurance coverage. States only required $25,000.

The state may only require $25K, but the issue will depend on the actual policy limit. Get a good lawyer.

bdpreece · 06-15-2017, 12:22 AM

Have good friends who were full timers who had their motorhome severely damaged. Although it was the other parties fault the insurance company would not even pay for a place to stay while the motorhome was being repaired. Suspect that your loss of leisure time use will not be covered unless you have a very good lawyer.

Gary RVRoamer · 06-15-2017, 09:06 AM

Agree with the others. You are going to have to make a strong case for compensation and loss of leisure-time use probably isn't it. If you have actual monetary loss due to cancellation of reservations or similar, that will probably be claimable.

Loss of use is a legit expense, but the insurer will probably deny the claim as a matter of course, figuring you probably won't push it. A lawsuit, e.g. small claims court or an attorney, may well be needed. It should be an actual expense, e.g. show an actual rental contract for a substitute RV. Mental anguish because your family can't go on a planned vacation probably won't cut it, lawyer or not. But who knows? A sufficiently clever lawyer can win most any case!