Grey Mountain
On the rez somewhere in Indian Country
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Joined: 08/25/2002
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File a claim. Makes no difference whose fault it is. I did almost $10,000 to my MH, my fault, about five months after delivery. Insurance paid up, minus my $500 deductible, and no premium increase.
GM
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karmasasha
st paul minnesota , usa
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Joined: 02/22/2004
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I did worse on an almost new motorhome against a post. No increase in premiums. (that motorhome long gone now re AKA Lemon.
Insurance Co was very nice about it. Turn it in.
Andrea and Rommel the large gentle Rottie
Inga, my 1989 Winnebago Class A 27 ft (454 P30) with 100,000+ miles and going strong!
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TZScales
Maryland
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Joined: 02/10/2008
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May I suggest you go ahead and have the damage repaired. Paying the deductible should not be much of a bite compared to paying the estimated repair.
Insurance is purchased and kept for a purpose i.e. to handle mishaps/accidents that occur to one's property.
Just my $.02 worth.
TZS 
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downtheroad
Puget Sound
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Joined: 02/18/2003
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Looking at that makes me cringe... uck, who needs it.
Yes you certainly must get it fixed. Unless you have already make a bunch of claims against your insurance.... yes, file a claim. That's why you have insurance.
Don't worry about the "poor insurance company" I promise you, they will survive and not go broke.
"If we couldn't laugh we would all go insane"
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tallyo
Fort Myers,Florida
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Joined: 06/12/2007
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So much depends upon how your insurance company has you rated. But generally if it was your fault you should expect an increase in premium next year.
Tallyo
2007 Winnebago Adventurer
W-24, 6 spd Allison
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RichardFM
Fort Pierce, FL
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Joined: 04/15/2005
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That's a tough question and I don't really know the answer. However, I have had damaged to my MH twice, once for $2,000 and once for $1,000, and I didn't file ether time. I have real good insurance rates and plan to keep it that way. Insurance companies around here don't raise the rates, they drop you.
2005 Itasca Meridian 34HD
at Fort Mountain, GA
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wny_pat
Western NYS
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Joined: 08/11/2007
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Bumpyroad wrote:"but very carefully because some companies consider the phone call a claim." Bumpy is right about this according to my insurance guy.
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tallyo
Fort Myers,Florida
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Joined: 06/12/2007
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RichardFM wrote:That's a tough question and I don't really know the answer. However, I have had damaged to my MH twice, once for $2,000 and once for $1,000, and I didn't file ether time. I have real good insurance rates and plan to keep it that way. Insurance companies around here don't raise the rates, they drop you.
Not all companies drop you. I have lived here,in Florida, 8 years and have filed several claims and I still am with them. I even had a sizable Comprehensive loss to a MH a few years ago when a little hurricane came rolling through this area. No rate increase and they paid the claim promptly as repairs were completed.
GMAC Insurance..good folks in my opinion and experience.
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ReVoker
Corlista, RJ
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Joined: 03/12/2008
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What is the point of having insurance if you refuse to use it?? File the claim.
There is no "full coverage" on a trailer that's attached to your tow vehicle. All you need is comprehensive for when you are using it or are parked. When it's attached to your TV, the insurance on that covers it. Motorhomes are different because they are a vehicle, unlike a trailer.
ReVoker
An opinion on every subject...
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RRTom
California USA
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Joined: 07/21/2001
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Recently filed a claim to my insurance company (Progressive) for "self inflicted" damage. The adjustor told me that not only might my motor home insurance go up, but if my auto insurance carrier (AAA) saw that I had filed an "at fault" claim, they may raise my rates also. Don't know if this is true or not.
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