Thread Tools Search this Thread Display Modes
Old 10-08-2013, 05:44 PM   #15
3 Rivet Member
Hansom-Man's Avatar
2009 23' FB Flying Cloud
The Woodlands , Texas
Join Date: Jun 2010
Posts: 131
Nearly all insurance companies will fight you on paying out on a claim. Especially if there is room for interpretation. This is how they maximize profits.

Key things to remember:
Don't get angry and don't take it personally. It's business and it can get nasty.
Don't sign anything you don't agree with or understand.
Educated yourself about what needs to be done and how the process works for both claims and repairs. (starting here is a good place)
Don't threaten legal action unless you're willing to hire a lawyer and wait a real long time for a payout.


They are the expert party by all accounts. They should also be able to tell you the likely cause of the damage.

Check your policy again, you should be able to choose your own repair facility and that facility should be the ones telling them what needs to be fixed. What they provide is an estimate only auto repair facilities constantly call the adjuster with additional items once they start the job and look deeper into the problem.

The fact that your insurer is not having you go to JC when your so close is a red flag in my book.

Insurance companies make their money on peoples ignorance and/or laziness. It's cheaper to pay people to make it a PITA for you to realize your claim than it is to do the right thing.

Good Luck.

Hansom-Man is offline   Reply With Quote
Old 10-08-2013, 06:18 PM   #16
Rivet Master
SteveSueMac's Avatar

2012 27' Flying Cloud
W , New England
Join Date: Oct 2012
Posts: 4,679
Originally Posted by Hansom-Man View Post
Nearly all insurance companies will fight you on paying out on a claim. Especially if there is room for interpretation. This is how they maximize profits.
That feels like an exceptionally broad brush there. True - there are unscrupulous companies in every industry, Insurance included, but most large, long established insurance companies seek to honor the contract paying no more and no less than what is owed according to the facts of the case. Maximizing profits by fighting legitimate claims is "bad faith" (how does the company stay in business, retain customers or add new ones with that reputation - to say nothing of funding endless lawsuits and regulatory fines/penalties). Paying claims to make people happy is "bad business" (how does the company have funds to pay legitimate claims if reserves are depleted on extra-contractual claims).

I think Insurance companies make profits by truly knowing the businesses they underwrite, investing premiums smartly (i.e., not in unexplainable, highly leveraged, ponzi scheme real estate instruments), minimizing the expense of their operations and honoring their contracts.

Like any purchase, choose your insurance carrier wisely. Not universally true, but as in many cases, cheapest isn't always best.

I'll step off the soapbox now - thanks for listening :-)

SteveSueMac is online now   Reply With Quote
Old 10-08-2013, 06:32 PM   #17
Rivet Master
SteveSueMac's Avatar

2012 27' Flying Cloud
W , New England
Join Date: Oct 2012
Posts: 4,679
For the OP - sorry for your scary experience on the road and less than satisfying experience with your carrier. Hopefully the advice on the forum is helpful to you.

Please check your policy. You should have the right to have your trailer repaired at the facility of your choice. With the trailer being just 35 miles from the manufacturer, you can't beat that as an option.

The carrier's expert can't compete with the manufacturer. If the frame is bent, JC will know how to repair it. And if the frame isn't bent, that's good news. Seems prudent to get their view ASAP either way.

If things aren't settled to your satisfaction, contact Edward Rust (State Farm CEO) directly. If that doesn't work, contact your state Department of Insurance for additional insight and resources.

Good luck!

SteveSueMac is online now   Reply With Quote

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

Virginia Campgrounds

Reviews provided by

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities

Copyright 2002-2015 Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 03:39 AM.

Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.

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