I had a collision with the corner of my roof overhang while parking my coach. I turned a little to sharp and the tail swing caused the right rear to rub against the roof overhang. The pressure caused the fiberglass rear cap to break in the line of collision resulting in numerous cracks and a small hole. Our local repair facility says that the rear cap must be removed to repair the damage properly from the inside, which I understand completely.
I am insured with Allied, which is a part of Nationwide insurance. It took them a week before someone came out to look at it. Turned out it was just someone who knew nothing about repairing RV's and was just there to take pictures. I finally heard from the adjuster, in Ohio and I am in New Mexico, 5 days later. He was not very friendly and condescending while telling me what a favor he was doing me by making a very generous offer. It turns out that their proposed settlement was several thousand less that what will be required to properly fix the coach.
It seems that the crux of the issue is that Nationwide is not willing to pay for the removal, repair and replacement of the rear cap. They are demanding that the shop cut an access hole to repair the damage and then repair the access hole. In essence, create damage to repair damage. The repair facility says that is the wrong way to fix the damage. When asked if they would cover any future cracks where the access hole is, they said no.
At this point, we are not quite through. However it is looking like I will have the coach fixed right and take their settlement under protest. I would then hire a lawyer to recoup my losses that Nationwide has denied.
I will be cancelling the policy with Nationwide just as soon as this is settled and finding a better company. The repair folks said that Progressive is the same way as Nationwide on claims. Kind of looks like I'll go back to Good Sam/GMAC or GEICO.
Keith, Gloria & Charlie(Spoiled Rotten Boston Terrier)
2010 Damon Astoria 3470
2012 Jeep Grand Cherokee Overland
USAF 1968-1976 Viet Nam Veteran
I don't think you'll find ANY insurance company that is on YOUR side because their job is to make money for the company but that is certainly not acceptable.
I've used Travelers for quite a few years and once had an accident where I was forced off of the road and destroyed the front axle of my trailer completely (this was 1500 miles from home). Took the trailer in to local repair facility in CC Texas to get it repaired and called my agent somewhere in New Hampshire I believe it was). they had an agent out the next day to photograph and interview me about the accident. took down all of the information and called the dealer ship to give them to go ahead to repair for the estimate the adjuster gave me. He told them that if it was more than that to just call and he'd revise the estimate and send a check as soon as I signed off on the repair.
That's how it's SUPPOSED to happen. Hard to imagine doing worse than the service (actually I mean "servicing") you got so throw a dart at the phone book and probably improve your situation quite a bit.
Good luck / Skip
2011 F-150 HD Ecoboost 3.5 V6. 2550 payload, 17,100 GCVWR - 2004 F-150 HD (Traded after 80,000 towing miles) 2007 Rockwood 8314SS 34' travel trailer
US Govt survey shows three out of four people make up 75% of the total population
I would be wary of GMAC/Good Sam. Am now going back and forth with them trying to find out why my rates went UP by $1200/year (from $1700/yr to $2900/year). All they keep saying is that they had a rate increase in NY. I called the Dept of Insurance for NY and they said that they were granted a 11-20% increase, not the over 60% increase that I received. Nothing changed from last renewal- no accidents, no tickets, have excellent credit rating, and have taken defensive driving course. Looks like I too will be looking for a new insurance company.
These stories are why I have stayed with State Farm since I was 20 yrs old. House, boat, cars, golf car, motorhome all covered by same company. Perhaps not the most low cost but when I've compared to the others, they always seem competitive. Had many claims over the years and never a problem getting a rapid response, timely and fair settlements. Only time I've ever had a problem was when the other driver's (their fault) insurance (Geico) was fixing my car...they wanted a cut rate repair and were terrible to work with.
2007 Country Coach Allure 470, Cummins ISL 425; 2012 Honda CR-V toad. SMI Air Force One braking system. Lucy the rescued lab/springer mix; Dixie rescued beagle mix. Smith Mountain Lake, VA
Unfortunately, at this point you will have some (allot ) of out of pocket expense. Get at least if you can three estimates, notify your adjuster, and if they deny then that is a form of BAD FAITH on there part, and a bad Faith complaint goes against there ratings.
Yes you will probably have to hire a lawyer, and go to court,and deal with the frustration.
But if you want it done right and properly then you have that right!
Note; I am in the process of leaving Nationwide after almost forty years. Going to "bundle" with my home owners insurance. My only three claims in close to Forty years have never been easy! I have had to fight with them and call back repeatably to get the situation corrected.
I dropped Nationwide after 30 years never had an accident but a few minor claims.
A tree limb broke and fell on my car and Nationwide gave the claim to Allied they said they could not find parts but a junk yard had a wreck coming in and they would have parts in a few days. A week later I called and told them the Cadillac dealer had the parts and I was tired of waiting 2 more weeks and they had the parts but refused to answer calls or give time frame for repair.
Took over a month to finally get repairs. I had to talk to a Nationwide supervisor to finally get any action. I canceled as soon as the repairs were completed. New insurance was $800 a year cheaper same coverage.
1990 Holiday Rambler Aluma Lite XL
454 on P-30 Chassis
1999 Jeep Cherokee sport
Too many times folks buy insurance primarily based on the rates/cost. The problem then becomes on how good is cheap insurance service?. The main reason we have insurance is to cover any losses. The old adage applies..."you get what you pay for"
2012 Phaeton 40 QBH
Freightliner, 6 spd Allison
2010 Chevy Equinox 2LT w/ Brake Buddy Vantage
Drinks-6, Eats-4, Sleeps-2
Insurance Is at best a money pit that we must support. They make money by not covering clames and doing have a.. repairs. I have been with the same insurance for to many years and that lost my check and then canceled my coverage for not paying them. On line insurance is the worse because you have no one to get a hand on. JMO
2002 Damon Challenger 348 Ford V10
Blue Ox Auto Stop and Aventa II Tow Bar
2001 Ford Sport Trac with Remco Driveshaft Disconnect
I don't trust State Farm st all, some very good friends of mine had State Farm on their house and their car and their two kids cars when they were home for 25 years with no claims then one day their house caught fire due to a bad wire in the attic. State Farm dropped the house insurance because as the agent put it the house had more damage than the total of the premiums they had paid in the 25 years they were insured. Then since the house and car were no longer bundled they raised the car insurance too. So my friends told them they could also keep the car insurance.
Tom, Kathy, Nikki, & Kelly
Pets: Lady - Texas Heeler, Dinger - Rhodesian Riidgeback Mix
2008 Ford Expedition Eddie Bauer 4x4 5.4 ci 3.73 gears
2008 Dodge Ram SLT Big Horn 4x4 5.7L Hemi 3.92 gears
2007 Jayco Jayfeather EXP 254
Husky W/D, P-3