Reply
 
Thread Tools Search this Thread Display Modes
 
Old 10-08-2010, 12:54 PM   #1
New Member
 
Currently Looking...
1977 24' Argosy 24
albuquerque , New Mexico
Join Date: May 2010
Posts: 3
Images: 27
Insurance Company wants to total my 77 argosy MH

This my first posting ,, I purchased a 1977 Argosy in June of 2010 it has apox. 77,000 miles on it,, the interior is original and in very very good shape everything worked,, the exterior needs to be painted at some point but is in really nice shape,, the previous owners had all kept a running record of all repairs and trips it has ever been on so all mileage is accounted for... anyways, a tree branch fell on top of the motor home (stinking cottonwoods) it crushed the a/c and crushed the vent cover on refrigerator and toilet vent and also dented the Zip Dee awning cover... total repair cost is right at $2300.00 through a local repair shop...My insurance company just informed me that they want to total out the whole rv and give me $1200-$1500 as they made a few calls to 3 different rv dealerships and they all said that is what the Argosy is worth...After I calmed down and could talk to her in a more calm voice she said that if I could come up with ads or other info that showed the value was more in the $7000 up range that they would then consider doing the repairs.. (I paid $7500 for it and put in close to $2000.00 of tires and repairs) My question is, does anybody out there that knows of any ads on the internet or other sources could you please respond with them and I will print them off. I then have to fax them to the insurance adjuster...Also does anyone know of a Insurance company that lets you state the value of your R.V ? thanks so very much,,, steve
__________________

__________________
fauxfinisher is offline   Reply With Quote
Old 10-08-2010, 01:36 PM   #2
4 Rivet Member
 
mwells4654's Avatar
 
1971 27' Overlander
Antlers , Oklahoma
Join Date: Aug 2009
Posts: 426
Here is a thread about insurance research. I hope it helps. There are lots of threads if you go to search and use the google search. Good luck and happy trails. Post #12 is a good one.

http://www.airforums.com/forums/f351...rance-637.html
__________________

__________________
Mel

2006 GMC 1500 SLE Crew Cab
5.3L V8 Towing Package
Equal-i-zer E2

AIR # 40365
TAC # OK-3
mwells4654 is offline   Reply With Quote
Old 10-08-2010, 01:45 PM   #3
Rivet Master
 
silverleeper's Avatar
 
1967 22' Safari
1960 Caravel
Edmonds , Washington
Join Date: Aug 2004
Posts: 2,499
Images: 8
Welcome to the forums!

Quote:
Originally Posted by fauxfinisher View Post
This my first posting ,, I purchased a 1977 Argosy in June of 2010 it has apox. 77,000 miles on it,, the interior is original and in very very good shape everything worked,, the exterior needs to be painted at some point but is in really nice shape,, the previous owners had all kept a running record of all repairs and trips it has ever been on so all mileage is accounted for... anyways, a tree branch fell on top of the motor home (stinking cottonwoods) it crushed the a/c and crushed the vent cover on refrigerator and toilet vent and also dented the Zip Dee awning cover... total repair cost is right at $2300.00 through a local repair shop...My insurance company just informed me that they want to total out the whole rv and give me $1200-$1500 as they made a few calls to 3 different rv dealerships and they all said that is what the Argosy is worth...After I calmed down and could talk to her in a more calm voice she said that if I could come up with ads or other info that showed the value was more in the $7000 up range that they would then consider doing the repairs.. (I paid $7500 for it and put in close to $2000.00 of tires and repairs) My question is, does anybody out there that knows of any ads on the internet or other sources could you please respond with them and I will print them off. I then have to fax them to the insurance adjuster...Also does anyone know of a Insurance company that lets you state the value of your R.V ? thanks so very much,,, steve

Hi Steve, You can find some in the classified section here. Classic Motorhomes (1972 - 1992) - Airstream Trailer Classifieds - Airstreams Trailers For Sale. You could also try e-bay and craigs list. Good luck!
__________________
Lee

1973 F-250 4X4 390
1965 Chevy Suburban 454
AIR 6030
WBCCI 4258
TCT

silverleeper is offline   Reply With Quote
Old 10-08-2010, 02:08 PM   #4
Moderator
 
Stefrobrts's Avatar

 
1968 17' Caravel
Battle Ground , Washington
Join Date: Dec 2002
Posts: 11,911
Images: 50
Blog Entries: 1
This is a good example of why vintage owners should try to have their vehicle appraised and get agreed value insurance ahead of time. Have they been charging you insurance assuming it was only a $1500 vehicle? It's tough to fight for a claim after the fact (not that you won't have to fight even if you do have an agreed value policy). Good luck, I hope you can prove it's worth to them. $1500 is ridiculous!
__________________
Stephanie




Stefrobrts is offline   Reply With Quote
Old 10-08-2010, 03:46 PM   #5
Moderator
 
DKB_SATX's Avatar

 
2017 26' Flying Cloud
1976 Argosy 28
Alamo Heights , Texas
Join Date: Aug 2006
Posts: 6,401
Images: 1
Blog Entries: 7
If you don't prevail in convincing them of a realistic market price for a comparable moho, find out what they consider the salvage value. If that's small then you could take the $1500 less salvage and consider it a ~$1k deductible and a lesson learned if you're in a state that doesn't retitle a vehicle as "salvaged" which would ruin the resale value. It seems that in the very worst case, you're out the $2300 for the repair and you can then get an agreed-value policy once it's in good shape again.
__________________
DKB_SATX is offline   Reply With Quote
Old 10-09-2010, 12:43 PM   #6
Rivet Master
 
RickDavis's Avatar

 
1961 24' Tradewind
1969 29' Ambassador
1970 21' Globetrotter
Jamestown , Tennessee
Join Date: Jul 2008
Posts: 1,781
Here is a link to a craigslist ad that might be useful as a comp. for value purposes

1978 Airstream Argosy 24' Motorhome
__________________
Rick Davis 1602 K8DOC
61 tradewind, plus a few others
13 Ram 2500 TD
99 Dodge TD 577K miles

RickDavis is offline   Reply With Quote
Old 10-11-2010, 11:19 AM   #7
New Member
 
Currently Looking...
1977 24' Argosy 24
albuquerque , New Mexico
Join Date: May 2010
Posts: 3
Images: 27
Insurance Company wants to total my 77 argosy MH

Good News,,,, Just heard back from insurance company ,, they did some more research and decided to pay for all repairs ,,, Thank God!! thought this was going to be a nightmare but it worked out... I will start looking for a insurance company that will let me have a agreed value...Thanks everyone for the info.. It did help as I had found documentation to back up a higher resale price and was about to fax to insurance company... steve
__________________
fauxfinisher is offline   Reply With Quote
Old 10-11-2010, 12:01 PM   #8
4 Rivet Member
 
arcamedies's Avatar
 
1993 30' Excella
Lakeland , Florida
Join Date: Nov 2009
Posts: 343
Images: 69
Blog Entries: 5
All insurance companies use clerks to value a loss items value and if the owner says oh ok then it's a home run for them. I had an adjuster value a 1957 Chevrolet Bel Air at $800, the owner was stunned. I had to show them the antique car book values and we cut them a check for $5000.
My insurance company valued my Argosy at $16,000 when I insured it last year,
where was the tree that fell on yours?, maybe I can park it under one ;OP
__________________
arcamedies is offline   Reply With Quote
Old 10-12-2010, 08:06 AM   #9
3 Rivet Member
 
sharbours's Avatar
 
1975 Argosy 24
West Linn , Oregon
Join Date: Feb 2008
Posts: 241
Images: 11
Blog Entries: 2
Steve - I'm glad to hear that your insurance company stepped up to the plate. I've started printing out ads that I find for trailers that are similar to ours, and keep them in a file just in case I ever need to try and prove value. I hope I never have to use them, but at least I have them. I also try to take a some pictures of the inside & outside of the trailer before each camping season, that way if the trailer is broken into or damaged, I have a better idea of what might be missing.

Arcamedies - wow - what insurance company valued your Argosy at $16,000? I want a policy like that!

Sharon
__________________
Sean & Sharon
AIR #: 27389
TAC #: OR-3
sharbours is offline   Reply With Quote
Old 10-12-2010, 09:57 AM   #10
Rivet Master
 
FreshAir's Avatar

 
1966 24' Tradewind
Placerville , California
Join Date: Apr 2006
Posts: 3,327
Images: 2
We had $3200 repair done 2 years ago on our '66. Our insurance, Allstate', took care of everything including our deductable. Yes we set up the coverage as 'agreed value'.
__________________
Neil and Lynn Holman
FreshAir #12407

Avatar;
Kirk Creek, Big Sur, Ca. coast.

1966 Trade Wind

1971 Buick Centurion convertible
455 cid

1969 Oldsmobile Ninety Eight
455 cid
FreshAir is offline   Reply With Quote
Old 10-12-2010, 09:59 AM   #11
Rivet Master
 
FreshAir's Avatar

 
1966 24' Tradewind
Placerville , California
Join Date: Apr 2006
Posts: 3,327
Images: 2
Quote:
Originally Posted by sharbours View Post
Steve - I'm glad to hear that your insurance company stepped up to the plate. I've started printing out ads that I find for trailers that are similar to ours, and keep them in a file just in case I ever need to try and prove value. I hope I never have to use them, but at least I have them. I also try to take a some pictures of the inside & outside of the trailer before each camping season, that way if the trailer is broken into or damaged, I have a better idea of what might be missing.

Arcamedies - wow - what insurance company valued your Argosy at $16,000? I want a policy like that!

Sharon
Good idwa. We are/have been doing the same.
Neil
__________________
Neil and Lynn Holman
FreshAir #12407

Avatar;
Kirk Creek, Big Sur, Ca. coast.

1966 Trade Wind

1971 Buick Centurion convertible
455 cid

1969 Oldsmobile Ninety Eight
455 cid
FreshAir is offline   Reply With Quote
Old 10-13-2010, 01:29 AM   #12
4 Rivet Member
 
arcamedies's Avatar
 
1993 30' Excella
Lakeland , Florida
Join Date: Nov 2009
Posts: 343
Images: 69
Blog Entries: 5
Cool What is it really worth

Quote:
Originally Posted by sharbours View Post
Steve

Arcamedies - wow - what insurance company valued your Argosy at $16,000? I want a policy like that!

Sharon
The Hartford, and before the ether wears off I'm hoping to find that killer tree, it'll be a home run

It's for sale anyway wouldn't do me any good.
__________________

__________________
arcamedies is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Negotiating with Insurance Company davenpow Insurance & Claims 1 03-26-2010 05:11 PM
Total newbie w/'77 24' Argosy w/oapaddle All Argosy Trailers 28 06-28-2007 11:00 AM
Insurance company Tin Hut Insurance & Claims 15 08-14-2004 12:35 AM


Virginia Campgrounds

Reviews provided by




Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 01:16 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, Jelsoft Enterprises Ltd.

Airstream is a registered trademark of Airstream Inc. All rights reserved. Airstream trademark used under license to Social Knowledge LLC.