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Old 08-04-2003, 10:40 AM   #57
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Old 09-03-2003, 02:38 PM   #58
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accident update

Remember me and my tale of woe with prudential? I supplied files and receipts and data on other trailers and the "little pictures with circles and arrows on the back" (that's for those of you old enough to remember Alice's Resturant). All was for naught as the adjuster countered with info from an independent service which trashed my rig and had low prices for similar units. I have not been camping for 2 months now. I give up and will let them take the trailer and start from scratch. Vive l' Airstream!
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Old 09-03-2003, 03:23 PM   #59
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Arrrgh!!!

""All was for naught as the adjuster countered with info from an independent service which trashed my rig and had low prices for similar units. I have not been camping for 2 months now. I give up and will let them take the trailer and start from scratch.""

This kinda sucks!!

Are we hav'n to set back and take this kinda treatment?

What's a soul to do...... Looks like Brock did ALL that he could do!

What a shame to loose half of value just minding your own business and being taken advantage by ins companies.

Steve
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Old 09-03-2003, 03:47 PM   #60
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All was for naught as the adjuster countered with info from an independent service which trashed my rig and had low prices for similar units.
What does this outfit do, cull records of Secretaries of State nation wide for lowest prices? I agree with 59toaster:

Quote:
Tell them you will accpt them finding a trailer in the same shape and age instead of a pay out since they seem to have a line on campers in excelent shape $2-3k under the going rate.
If they are making this claim they should be able to back it up with some current ads that will put you back in a trailer for their going rate.

John
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Old 09-03-2003, 03:57 PM   #61
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In re-reading this thead I had a thought pop into my head based on another members statement that you want to be made whole. This is not unreasonable to me. I wonder if the remaining amount that will be required to make you "whole" would be a good small claims court case. You can defend yourself and try to get the monies form the insured driver that hit you. It will be aggrivating and take some more time. But they may be willing to give you the money just to get you to go away.

They hit you, just because their insurance did not pay out in full does not absolve them from responsibility for the accident.

Just my $.02 cents worth, don't spend it all at once.
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Old 09-03-2003, 04:06 PM   #62
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and furthermore

Another $1.5-2 K would have made me more accepting. The adjuster actually had ads for "similar" trailers for less money. It's like "he said/ she said" and could have gone on for months.

I have looked in to the small claims deal and I guess it has to be on the whole amount which exceeds the limit. A lawyer will take more than the trouble is worth.

I am kinda sick of the whole thing and hence begin the quest for a "new" trailer. Thanks again to all for thoughts, suggestions and support.
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Old 09-03-2003, 05:30 PM   #63
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When I insured mine with Nationwide thay asked me what was the max amount I wanted to insure it for. I said $9K they said OK.
At the time I only had $5K in it. I am now at $8K and will soon have over $12K in it and will go back to Nationwide and up the amount to $15K.
Hope I never have to find out how they will pay out !!!!

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Old 09-03-2003, 05:43 PM   #64
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Brouck,

Thanks for sharing your experience with all of us. I understand the wanting to move on and find a "new to you" trailer.

If you see one in the Central FL area that you want to have checked out I would be glad to do so for you.

Good luck on your search, and keep us posted!
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Old 09-04-2003, 04:59 AM   #65
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addendum

Brett, thanks for the offer, I appreciate it.

A further note about dealing with insurance companies. Keep in mind that an insurance company will allow you to insure your trailer for any figure you want. They are more than happy to take your premiums. However, if you suffer a loss that exceeds the amount of your coverage and your unit is declared a "total loss" you will only be paid for what they determine is the actual value of the trailer before the loss .In other words, if I insured my trailer for $10,000 and it suffers damages of $15,000 I still won't receive the entire 10,000 if the insurance company valued the trailer at 5000.

To me then, it would seem prudent to obtain an appraisal of your unit and have the insurance company agree to that evaluation at the front end of coverage before an accident rather than fighting with them like I have subsequently.

Life goes on.
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Old 09-04-2003, 05:38 AM   #66
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Brouck,

Sorry to hear about your continuing saga...

Did you pursue having them replace it with a 'similar' trailer? If so, I'd like to hear that outcome.

Roger

BTW, I'll make the same offer as Brett; if you find something in eastern Iowa/western Illinois, let me know and I'll check it out for you as well...
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Old 09-04-2003, 02:30 PM   #67
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I am a bit confused as Actual Cash Value does not apply whatsoever to another driver that is liable for your loss. The ACV issue only arises in a first party loss, such as when you run off the road and wreck your own vehicle.

The sad thing is that in a liability situation, the liabile party's insurancewill "pay on behalf of the insured for those losses which they are legally obligated" or similar language. Legally obligated is the key phrase. If you cannot agree with their adjuster, then your recourse is to sue if you feel that you have a preponderance of evidence supporting your position.

The adjusters are banking that most claimants don't want to do this, though a good threatening letter from a personal injury attorney often rattles them up equally.

You certainly have had your share of pain and suffering.

Jace
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Old 09-05-2003, 04:26 AM   #68
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Roger, thanks for the offer, I am now looking and will pm you should I see of something in your neighborhood.

Jace, it all came down to the adjuster using the report and word of a service who viewed my AS differently than I. I did dangle my lawyer in front of her but she certainly knows I won't spend much money to recover a couple of thousand bucks. Thank you again for your suggestions and expertise.

I have my eyes on a '66 30' Sovereign that is amazingly only 50 miles from here. It is generally in good shape skinwise and has some unresolved issues for which which I still need answers but I am optomistic. I will be posting questions about some of these issues later.

Again I want to thank everyone who had comments, suggestions and support for me during this ordeal. We tend to sometimes let truly trivial issues take on a life of their own. No one was hurt and now I get to have fun starting again.
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Old 09-05-2003, 07:01 AM   #69
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Brouck,
Good luck in your search. I will be happy to check out anything you find in the Twin Cities area, though I am certainly not the vintage expert that others on the forum are, yet I do have a very keen eye for quality and value. Don't hesitate to engage me if you need.
Jace
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Old 09-05-2003, 08:09 AM   #70
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Thanks Jace. I have just found out that someone is interested in my wrecked '75 as is. If I can get a couple bucks for it the blow of this ordeal will be softened a little.
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