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Old 08-10-2006, 06:28 AM   #15
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When I talked with Chris at AS technical support, they gave me these numbers as what AS uses for repair estimates:

$1500 to replace any one of the top end panels (10 total)
$5000 to replace one of the upper side panels (2 total)
$5000 to place another roof panel over the existing roof panel - they don't remove the roof panel unless absolutely necessary.

That's $30k. Then $5k for other items. I suspect this is what they gave to the appraiser.

I wonder if the replacement coverage carriers would have "totaled" the trailer. That's the delima you face.

Might want to check the details of what it means to total under your policy. Some policies say total only if the vehicle is not repairable, not usable, or the repair cost is too great (the carrier's decision). Ours claim was right on the edge of the cost issue - even without shipping to Ohio coming out of our pocket.

Yes, we will get a salvage title. Our same insurance carrier will now cover the trailer for comp/coll only to the salvage value. Liability, etc. comes under the tow vehicle.

73/gus
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Old 08-10-2006, 08:42 AM   #16
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Quote:
Originally Posted by gklott
I wonder if the replacement coverage carriers would have "totaled" the trailer. That's the delima you face.

73/gus
I wouldn't be surprised if the 75-80% rule for totaling goes out the window if you have replacement coverage. I bet if you had that coverage, your trailer would be on the way to JC for a facelift.

Jack
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Old 08-10-2006, 09:01 AM   #17
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Wonder if the replacement coverage policy would pay for the transportation charges. USAA does not cover that - eventhough the local repair places would not do the repair.

We were facing a multiple thousand dollar charge to get it to/from Ohio from Central Texas. That's 3-days each way drive, and $600 each way using the standard mileage rate (1300 miles). Doesn't count the lost income since I work for a very small company.

I believe that is one of the excellent aspects of USAA - they worked with us. This was not the normal RV repair.

Need to read the small print...

73/gus
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Old 08-10-2006, 09:47 AM   #18
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Usaa

USAA treated me wonderfully when I had had $8000 of hail damage to my almost new TrailManor some years ago. Only catch was that I had to take the trailer from Texas to Tennessee to get it repaired at the factory on my own nickle and go back 3 weeks later to retrieve it. Of course, gas was cheaper then and I hit Great Smokies NP and the Natchez Trace which made the trips worthwhile.

Another Trailmanor was parked beside me and had similar damage. He traded the trailer and the insurance check even up for a brand new trailer. Wish I had done that.
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Old 08-10-2006, 11:44 AM   #19
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Quote:
Originally Posted by jcanavera
I wouldn't be surprised if the 75-80% rule for totaling goes out the window if you have replacement coverage. I bet if you had that coverage, your trailer would be on the way to JC for a facelift.

Jack
Jack, I learned from experience the "replacement" insurance works the same as the actual value insurance. They pay you cash value, depreciated, The only difference is if you actually replace the item, the insurance company reimburses you, up to the limits of the policy, for the difference.
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Old 08-10-2006, 03:50 PM   #20
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Are there any agreed value policies for RV's?

My boat has an agreed value policy. So the coverage amount remains the same from year to year. If I experience a total loss, they will pay up to that agreed value to replace. I have dropped the value recently to get a lower premium, however if it sinks and it only salvage at that point, I am buyin' a new one. Some sinkers or partial sinkers can be brought back to life. I am not up for that. I have seen too many flood damaged cars in a past life to even consider it.

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Old 08-10-2006, 06:03 PM   #21
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Are there any agreed value policies for RV's?
yes
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