thank you for sharing good information.
Well, finally I have some info to report regarding the claim process for a total loss on both the truck and camper.
The process was long, didn't reach a number on each until this week, still waiting on personal property claim. So 23 days and counting. One check is in the mail, others still pending. They would have given me an advance payment since I have a clear title, but I didn't take it.
Some lessons:
1- Make sure you have a key to mail to company along with your title, which I did. Even if you leave a key with the wreck, they will charge you $250 if you don't mail a key with your title to the company.
2- Salvage as much of your personal property as possible, which I did, and then take pictures of personal property which is left behind, which I did. But this isn't always enough. My medical insurance company wouldn't replace my Cpap for free unless it was listed as lost on the police report, which it wasn't. I have submitted it to my auto insurance and I'm waiting for an answer. I finally paid for one and hoping to get reimbursed. ( I was tired of being tired without using one to sleep.
3- I screwed up and didn't have car rental coverage on the truck policy, I do now. My buddy who was the driver is covering the cost of a rental.
4- If your truck is registered in Texas, remove the plates and destroy them, I didn't, so had to complete another form.
5- Keep receipts on everything, both paper and digital. I had my receipts for tires and battery in the truck, so that I would have them if needed for those warranties. Of course I didn't retrieve them. They would have increased the value of the Ranger for new tires and new battery.
6- The Ins Co has been great as far a the few medical bills, I have up to $12,500 under personal injury and medical expenses, so I just gave the medical providers the insurance info and my doctor and Physical Therapy will bill the Ins Co directly. The adjuster said they will pay for any medically necessary procedures. So ER, X-rays, and PT for my fractured clavicle. I should be 100% in another 4-6 weeks, depending on who's opinion is right.
I think because I had a separate policy on the camper I may have done slightly better:
1- I was allowed up to $750 for hotels and food, so the rest of the road trip and my return home was reimbursed by submitting receipts. This was included in my camper policy not the truck.
2- I was allowed up to $3000 for personal property under the camper policy. I had to have receipts and photos were also helpful, both pre-wreck and the after wreck.
3- Receipts and photos of the items added to the camper were helpful. For example the adjuster valued my awning at $240, until I submitted a receipt for $1407.00 for my ezi-awn batwing awning. They then increased the value of my FWC Eagle.
4- Once I take delivery of my new FWC Hawk in October, I will buy RV replacement coverage. I think they said it will last for 5 years. This I think could be very useful, say for example you live in TX and they find one in Oregon. I believe they pay for delivery.
If I understand this, then if I have a total loss they will find a replacement or a one newer and buy it for me. ( Not 100% sure on the details) My other option is to purchase "Agreed Upon Value" coverage. So if my Hawk costs $X and has Y options, then I add ABC to it I can submit receipts and the company and I will reach a new "agreed upon value". It will add to the policy cost but make the claim process easier. You have to send receipts to the insurance company before the wreck as you add stuff.
I hope this helps others. Of course I never thought I would need the policy on my camper, and maybe had I been the one driving, I wouldn't have needed it, but **** happens and that's why its called an accident.
Travel Safe
