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 > Your search for posts made by 'bodyshop bob' found 29 matches.

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  Subject Author Date Posted Forum
RE: Insurance Company giving me a hard time

State insurance laws vary a lot from state to state but the principle underlying insurance is typically the same. That being said a recognized "principle" for a covered loss is "sudden and accidental". Did one snow event cause the loss or a build up of snow over the winter? If you can't pin down a general day or couple of days, was this "sudden"? Doesn't sound like it. 2. Independent Appraisers are Independent. They do not get to say what is covered and what isn't. They are appraisers hired by the insurance company and they do not get to speak for the insurance company. 3. I noticed a lot of anger/bitterness/resentment toward insurance companines in the comments. If you dislike your insurace company then change insurance companies. Insurance claim reps are held to a percentage of claims closed within 7 or 10 days. Their raises and bonuses are dependent on hitting this goal. For a claim to go this long really means something is preventing the claim from processing normally. A claim rep wants to pay your claim. Quickly. But if something isn't right they can't. 4. Everyone wants to hire a lawyer. In trying to close a Property Damage situation its usually not the smartest move. For Bodily Injury claims or Tort claims lawyers are fine. Look up Public Adjusters. Talk to one. Explain exactly what happened and ask for advice. Call the Insurance company. Ask to speak to the local Claims manager. Be nice and explain that you would like them to review the file and make a decision. Ask what else can I show or provide that would assist you in making a decision? Ask, politely, what has held up the determination of coverage? Good luck with your claim. BC
bodyshop bob 08/28/14 12:12pm General RVing Issues
RE: Great Smoky Mountains area RV Campgrounds

Hi Wolf: What is your idea of a nice campground? CG store important to you? Pool? Location? Scenery? Gatlinburg/Pigeon Forge has a little of just about everything you're looking for. If Fall camping in the area for the 1st time and traffic gets you a little crazy -- bring lots of pills. Colors can be okay and 48hrs later can be dazzling or gone if heavy rain/wind comes thru. If you want out-of-the-way but not remote and don't need lots of amenities you can try "Camping in the Smokies" out 321 from Gatlinburg and a favorite with the Crafters in town for the show. If you like amenities "River Plantation" just outside of PF is nice but traffic can be staggering. If you like nice camp sites with some room and privacy and don't need pool or bath houses the best in class is called "Up the Creek" out 321 in PF and away from traffic.
bodyshop bob 08/25/14 01:46pm RV Parks, Campgrounds and Attractions
RE: Oneida, Tn

Grew up in the area. Bandy Creek is nice. Agree with trip to Stearns and the sites up in KY. Another option is in Huntsville area. Trails End CG is nice but caters to ATV riders taking advantage of Brimstone which is a massive ATV area. If you ever go back look into a city called Rugby. A neat little community founded by some English group dedicated to a Utopian society. A number of historic homes still exist and it is worth the visit.
bodyshop bob 07/08/14 06:03pm RV Parks, Campgrounds and Attractions
RE: Garilinburg Area Camping

Hi Jeff, Your question is too generic. G'burg and PForge have lots of campgrounds. Do you have kids? Need playground/pool/rec room? Like more open sites with a little elbow room? Close to town important? We've stayed in the area at least once a year for over 20 years and know it well. Give some details of what you'd like and we'll help you out.
bodyshop bob 06/22/14 07:44am RV Parks, Campgrounds and Attractions
Atlanta area to Henderson Beach State Park

Needing advice on "best" route to Henderson Beach. The online services are split between I-85 to I-185 to Columbus/Phenix City through LA (lower Alabama)to I-10 and over; OR, stay on I-85 to Montgomery, AL to I-65 for just a bit to Ala 55 to either DeFuniak Springs or other local routes. The DW has nightmares of running out of diesel along the way or not being able to squeeze into a Ma/Pa gas station in Alabama. We've taken the first route quite a few times heading to PCB but I've never taken the 2nd choice. Looking for previous travelers who've used the 2nd route and their opinions. Thanks
bodyshop bob 06/03/14 12:00pm Roads and Routes

Sitting in my drive-way now is TT #3. The DW and I started the process for #4 and found what looked like an interesting deal online at CW-Birmingham. After numerous vehicles and the TT's and working for a few dealerships in the past; I was ready for the negotiations. I insisted and they agreed to handle everything via email as I work unusual hours and spend to much time on the phone during the day for work. They started with the usual "do you have a trade in" and the game was underway. What was kind of funny is that the sales associate kept mentioning MSRP on a used unit. What was unsurprising was the ridiculous trade in offer. I commented that if my trade in offer was typical of the margins they tried to maintain then they must have $XX in the used unit. That didn't go over well. After a day of back-and-forth emails with offers and counter-offers we never got close. I know that dealers are looking to maximize profit and I respect that. What I am rapidly getting tired of is the same old tried & true method of negotiations. Once they figure out that you've played the game and won a few hands in the past they quit dealing. The last quote I got was $500 HIGHER for the used TT than their previous offer but with a bit more on the trade. When they start going back up it was pretty obvious they had lost interest. There are companies springing up across America for a one price car purchase program that leverages the independent dealer network and relieves the buyer from the protracted silliness of negotiations. Maybe Marcus should consider offering a "One Price Online Guarantee" that allows for a reasonable profit to the dealer and saves the consumer from having to deal with rapacious sales managers. How about it, Marcus? Worth a shot? On Edit -- I got some follow up from the Response Team and got an email from the CW-Birmingham General Manager who told me the unit sold last Saturday. It was appreciated to get the follow up from CW.
bodyshop bob 05/30/14 09:43am Camping World RV Sales
TT engineers should live in one for a month

After reading about the new Jayco 338rets here and seeing pictures on the Jayco website the DW and I were anxious for some dealers locally to get some in so we could see for ourselves. We have the 308rets and we are looking for a similar design but with a larger bedroom. The 338 looked to be perfect. Finally, we were able to inspect one first-hand. Once again, the "engineers" have managed to put the satellite/cable TV jack on the right side up by the door so you have a cable running thru your site; the outside shower is cleverly placed directly under the city water hookup (about exactly where most people have the inline filter); the valve for one grey water tank is tucked directly under the bedroom slide and the other two are easily accessible; the 2 door pantry is narrow but deep insuring that you have to remove everything to get the one item in the back (slide out shelves would fix this)and interior shelves are NBA high. These issues plus 3 visible build flaws plus the unit is $13k more expensive than the 308 we bought 2 years ago equals a "no sale".
bodyshop bob 05/24/14 02:32pm Travel Trailers
RE: time to shop for new insurance?

How many cars do you own? Do you have an older one with just liability coverage? If so, swap it to Progressive and reclaim the multi-vehicle discount. I am in the insurance business and I always love reading these threads. One of the first pieces of data that shows on our main claims screen is Date of Policy Inception. We treat every customer with great respect and courtesy but we will exhaust all levels of courtesy to make a loyal customer happy. Been there and done it myself. Now, is it still financially smart to shop around? Absolutely. But you should typically put everything with one provider- auto, home, rv, life, etc. Multi line policies enjoy great discounts and your claims experiences will be all the nicer. Saving $200-$300 a year may entice some folks. I would rather know that if I have a claim the experience will be loaded in my favor.
bodyshop bob 05/14/14 07:49pm General RVing Issues
RE: Hail damage insurance claim question

Insurance is designed to "indemnify" you for a covered loss. That is a fancy term for "making you whole" after suffering a financial loss. What you do with the money is usually up to you if you own the trailer outright. If you have lien-holder they have a final interest. If you pay down the loan that makes lien-holders very happy. If you have a second loss that involves things not paid by the first loss you have suffered a financial loss and your insurance company will indemnify you again. If, by some chance, you change insurance companies and have another hail loss and you say, "I know it broke the skylights" and nothing else and your new company just happens to include the previous damage you did not break the law. You have a rather incompetent insurance company but you are not liable for their errors. Insurance companies share loss data. Your current insurance company has probably already reported your trailer's VIN, the type of loss (Comprehensive) and the amount of the settlement to the reporting agency. If a subsequent insurance company fails to run the necessary report and misses the previous loss and you do not intentionally mislead you are not legally committing fraud. Now, your conscious and your eternal fate may be compromised, but not the letter of the law.
bodyshop bob 05/14/14 07:26pm Travel Trailers
RE: target range

Markham Park and Target Range, Sunrise, FL X2
bodyshop bob 05/14/14 07:12pm RV Parks, Campgrounds and Attractions
RE: Travel Trailer Disaster Help

It is the insurance companies responsibility to see this is correctly repaired, what have they had to say? Hey Shadow -- not trying to hijack the thread or nit pick with you but your post can lead people down the wrong road. An insurance company is NOT responsible for the actual repair of any covered object. Usually, insurance companies have the option to repair a covered object but they typically just pay for the loss sustained. In other words, the Insured has to prove that he has suffered more loss (financially) than what has already been allotted. This simplest way to do that is to find another trailer repair shop. A good insurance company will even provide names of shops in the area that can do this type of repair. The owner, and the new shop, should provide a list of still-damaged and poorly-repaired items. If the new list of work and the amount of the first repair exceed 50 to 75 percent of the Actual Cash Value of the trailer (before the loss)the Insured should ask for a manager at the Insurance company to review for a possible total loss.
bodyshop bob 05/11/14 03:11pm Travel Trailers
RE: Eagle has finally landed!

Tips on the PDI -- make sure the tech who completed the PDI is the one who does the walk thru. Tip 1 - take a lighter with you and light the pilot light and start the oven burners and let them burn for a good 5 minutes. Kill the pilot and repeat the process. Our 2nd TT had a loose gas line fitting behind the oven and the tech missed it on his 2 second lighting of the oven. Our oven just about blew out into the coach on our first trip. Tip 2 - Jayco has the typical stabilizer jack crank and another weird looking crank handle. Our PDI tech had no clue. Found out it fits the power jack on the A frame. Have the tech take off the hot water bypass cover (under the sink) and show you how to use the factory pump to winterize the unit if you're not familiar ( I was clueless). Last tip -- the combo radio/cd/dvd player installed in my Jayco has an AUX setting and an AV jack but when I try to use my IPhone to play my music I get an "Unsupported" error on my phone. Ask the tech why the heck Jayco uses components not compatible with the largest provider of digitalized music. Other than that go have a great time.
bodyshop bob 04/16/14 07:47pm Travel Trailers
RE: Cheoah Lake North Carolina Smoky Mountains

Tell me there is another way to get there other than the Tail of the Dragon (Hwy 129) and I would be plenty interested. That's only a short 2 hour drive from the home.
bodyshop bob 03/31/14 06:04pm RV Parks, Campgrounds and Attractions
RE: Insurance denying claim for ripped floor

jj95-- how is this for a strange coincidence? I just sat through a 40 hour state mandated training course for my insurance adjuster license! Here is what I would recommend: (legal rear-end covering first: I am NOT a licensed adjuster yet and you should consult with professionals in your state for exact rules/regulations) Go to your internet search engine of choice and search for Public Adjuster and/or Certified Insurance Consultant in your area. Insurance companies hire adjusters who represent their interests. You have a legal right to a Public Adjuster (your policy may even cover there expense)who will represent your interest. Once you retain a Public Adjuster USAA will only speak with them. Public Adjusters working in conjunction with the inhouse adjuster can quite often "bind" coverage and find coverage where it may have been hiding. Insurance Consultants are NOT adjusters but they have received more training and passed more rigorous tests than agents. They can review your policy and the Facts of Loss and advise you if probable coverage exist. Some policies cover Consultants and some do not. Either way, an inhouse adjuster is NOT the final word. You have rights afforded to you by your policy. Read it!!!!
bodyshop bob 03/30/14 06:17pm Travel Trailers
RE: Treated like a criminal at Sun N Fun

It's a private business and they can run their business as hey see fit as they do it within the law. They did nothing illegal. They said the OP couldn't park the boat in the one location but offered another location. Even if he was told before by someone else. They didn't make him leave. He left on his own. And according to their policy online, I believe it said something to the effect of no refunds if you leave early or something. I can't remember exactly as it was a day or so ago when I looked at it. I would be pissed too. But I would need to weigh my options in having to take the boat back and then coming and getting my trailer. I think because of the cost of the gas to do it, the time wasted in doing and ruining my vacation, I would of just parked it in the parking lot they offered. Actually, Wb, you're wrong. Per the information in the post the OP said he's seen boats on lots before and stated he needed a large lot for his rig and his boat. Such a site was granted to him. This creates a legally binding condition called estoppel. Once a condition has been agreed to and granted it is illegal to remove that condition at a later date. Feel free to look it up. I concur that he should immediately contact his credit card provider and dispute the charges.
bodyshop bob 03/30/14 05:54pm RV Parks, Campgrounds and Attractions
RE: Creekwood Farms or Pride RV Parks, Waynesville, NC

We've stayed at Pride twice for 1 night each time. The 1st visit they put us in the middle of the CG and the site was "Tight". Rooms for the slides but not much else. Water, and electric were both good each time. Side note to Mockybird: Did not quite understand your post about the elk. There is a very large herd down the road at the Cataloochee area of the Great Smoky National Park and a smaller herd at the Oconoluftee visitor center area in Cherokee. I do agree that it is a sight you should not miss.
bodyshop bob 03/30/14 05:42pm RV Parks, Campgrounds and Attractions
RE: Best camping memories

Great post and great stories. One of our first trips was to a GA state park called Moccasin Creek. Little park, only 30 some odd acres but it sits right on a beautiful lake. Our kids were young right at 9 and 10, I guess. First night was a little hairy due to some thunderstorms but we managed through. Second night after a day filled with fishing, and having fun we walked down to the little dock. Late at night, no lights and the starry heavens above; the stars were so bright and night so dark you could see that wispy thin cloud of stars. My kids were just blown away by the beauty and vastness. Sweet moment and sweeter memory.
bodyshop bob 03/18/14 07:15pm General RVing Issues
RE: Any housing in Georgia with RV garages

Lived here for over 30 years and never once saw or heard of a "RV-friendly" subdivision. However, lots of unincorporated areas with very little zoning to worry about. Buy a nice house with a little bit of property and put your own RV garage up. We would be delighted to have all you over-taxed and under-appreciated Marylanders down here. Please make sure you leave all your "back home we did it this way" at the state line. As the late, great Godfather of Georgia, Lewis Grizzard, once said, "Delta is ready when you are" if you keep telling how you did it back in Maryland. :)
bodyshop bob 03/18/14 07:00pm General RVing Issues
RE: Camping Altercations?

"Altercation" Hmmmmmmmmmmmmmmm....... 4 or 5 years ago a guy walked right to the spot I'd been fishing and immediately caught a nice bass. I told him I hated him. My ol' camping buddy and I were both smoking some ribs on our identical Weber's and his had a better flavor. I told him I hated him, too.
bodyshop bob 03/16/14 02:34pm General RVing Issues
RE: St Andrews

We've been to St A quite a few times and my memory is that most of the sites that are prone to flooding are clearly marked on the FL State park website. The bayside sites were not on that list. The sites opposite the bay and against the large sand dune do hold water and can get quite nasty. Check the website for your particular site and look for a statement about the potential for flooding.
bodyshop bob 03/10/14 11:51am RV Parks, Campgrounds and Attractions
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