phillyg
Front Royal, VA
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Joined: 04/24/2002
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We Cant Wait wrote:By law the insurace company of the person at fault is required to provide you with a vehicle of equal value, and capability. MAKE the other guys insurance company provide you with a rental truck with equal or greater capability then yours was. Then tow the TT home.
X2; I would think the at fault insurance carrier would be responsible for making you whole.
2002 Keystone Cougar 286, 8,400lbs loaded, pulled with a 2004 F150 Supercrew, 5.4, 3.73 gears. Retired and enjoying life
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nickthehunter
Southgate, MI
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Joined: 07/18/2005
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grandpaswagon wrote:
Not so eveywhere. Have you ever heard of a "no fault" state? No such thing as consistant laws when it comes to insurance. It varies by state and insurance policy and coverage. Insurance may or may not provide for a rental vehicle - depends on the terms of the policy of either party involved.
It is foolish to make a blanket statement based on the words of an insurance agent for one incident. Exactly Right. Michigan is one example of a No Fault State, the rules here are quite a bit different.
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jmaotto
Rockwall, Tx
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Joined: 03/25/2005
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If you can settle with the insurance company, then replace your suburban and go fot the trailer that way.
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JJBIRISH
Butler, PA, USA
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Joined: 10/06/2002
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Insurance should make you whole for all verifiable loss including moving the trailer… but that wouldn’t mean they are required to provide a type of vehicle…
When my work truck was totaled they provided me with a car even though the truck was needed to transport my equipment to the job… the insurance said they would and did pay all reasonable cost for having the equipment transported to the job… I advised them the truck rental would be more cost effective since the equipment may be moved several times each day and was never left at the job site and I had estimates for doing either…
They stuck to the limited amount for a rental and paid the fees for each trailer move that resulted in almost doubling the claim total before the claim closed…… dumb and expensive but according to the policy rules they have to follow…
This was the other guys insurance company not mine and I am in a no fault state…
No fault allows me to claim against my insurance but doesn’t require it… or it didn’t at the time…
Of coarse the way I did it I was out of pocket and I attempted to negotiated the settlement and I went to court…
I won my judgment but it took months and had to wait another month to allow time for them to appeal the decision…
it took another month of non payment and a court order of seizure with more cost for them, then about another 15 minutes after being served for them to cut the check… but I was made whole…
Filing with my no fault insurance would have been far easier and resulted in my insurance settling for maybe a 80% offer and costing me my deductible and higher rates…
The thing is the other guys insurance should pay to bring your trailer back, but they will most likely deny it and make a lot of arguments about it including the trailer wasn’t involved in the crash, and about half of the cost would have been spent self hauling it anyway had the accident never occurred, and you might have to return to attend courts hearings… and some cost may not be recoverable like lawyers, and some cost to appear…
I am glad to hear the family is all doing well now, and I wish you a lot of luck with the rest…
Love my mass produced, entry level, built by Lazy American Workers, Hornet
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CA Traveler
The Western States
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Joined: 01/03/2004
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ShadySkins wrote:the_happiestcamper wrote:Have you considered buying your replacement TV in Montana? Probably cheaper there than in California - then you can tow you TT back home.
Great idea The vehicle may be cheaper. But be very careful with this suggestion since as a CA resident you will need to register the car in CA. That means it will have to pass CA emisions and you will pay the CA sales tax.
I would also check to see if the car has to be CA emisions certified.
2009 Holiday Rambler 42 Scepter with ISL 400 Cummins
2004 Honda CR-V
Bob
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thib2722
Eunice, LA
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Call the local RV dealers. They have drivers who tote around their products. Many of them are older men with tons of experience -- the kind of people you can trust to get your RV there in one piece. The RVs from the factory are delivered this way.
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thib2722
Eunice, LA
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You may have to pay this one out of pocket and fight with the insurance later. If you have a good agent, they may help you, but most of the adjusters are employed to protect their company's assets. They don't get promoted by helping out the other guy. If you have underinsurance coverage on your policy, your company may help you. They, at least, have an interest in keeping you happy. The other guy's insurance has no interest in pleasing you. They just want to protect their own butts.
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Memnok
California
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Joined: 05/02/2006
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CA Traveler wrote:ShadySkins wrote:the_happiestcamper wrote:Have you considered buying your replacement TV in Montana? Probably cheaper there than in California - then you can tow you TT back home.
Great idea The vehicle may be cheaper. But be very careful with this suggestion since as a CA resident you will need to register the car in CA. That means it will have to pass CA emisions and you will pay the CA sales tax.
I would also check to see if the car has to be CA emisions certified.
This is correct. You may have some major issues with purchasing a NEW vehicle out of California. If it is a USED vehicle, things will be a bit easier. Just make sure your used vehicle purchase has at least 7,500 miles on the odometer when you purchase it.
Check out this link at DMV for info.
Maybe you could purchase a good used veh with 7,500 miles or more and re-sell it here in Cali when you get home??? If you are lucky, you could even make some extra $$$ in the process!
Craigs List is your friend! (Just show up armed! Hahaha)
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mikim
Rancho Cucamonga, CA USA
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Joined: 08/21/2003
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Try this....http://www.uship.com/LandingPages/custom/us_rv_simple_031511.h
Also, I would recommend you start looking at presonal injury attorney's. I know I hate lawsuit abuse and stupid jury's but if you had to be admitted...you need to look at this carefully. Keep all of your receipts as well.
Hopefully, the other driver had good insurance and not just the basics or none at all.
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Gdetrailer
PA
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Joined: 01/05/2007
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JJBIRISH writes "No fault allows me to claim against my insurance but doesn’t require it… or it didn’t at the time…
..Filing with my no fault insurance would have been far easier and resulted in my insurance settling for maybe a 80% offer and costing me my deductible and higher rates…"
Filing with YOUR OWN insurance company gives YOU better leverage in getting back to normal.
How this works is YOUR insurance company since YOU PAY THEM will often act on your behalf much faster than filing with the other person's insurance.
YOUR insurance company will send an adjuster often within 24 hrs and often cut a check that same day while you wait. The check of course will be minus your deductible.
Then once your insurance company settles with you they will then file with the other person's insurance company and fight to get reimbursed for the settlement. If your insurance company wins then you may be entitled to being reimbursed for your deductible.
If you file with the other person's insurance, you have no leverage, no say and no rights, they decide what you get and when you get it. Often times the settlement can drag out for months or even years.
My insurance company has a section entitled "loss of use" in my policy, that section is to cover your loss of use which basically could help cover rental vehicles but it does not mean they will provide an equivalent vehicle or fully cover an equivalent vehicle.
On that same idea is what has happened to me twice.. Two times folks have run off the road and hit my home. Both times I called my insurance company (Both my home and auto policies are by the same company).
Each time my insurance company paid for the damages on my home within 24 hrs.
Each time my insurance company then filed against the other insurance company of the drivers.
Each time my insurance company won and reimbersed me for my deductable.
Each time I was happy to get my house back together.
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