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Old 08-25-2014, 09:22 AM   #71
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Originally Posted by switz View Post
I will apologize for my broad brush statement above in post #59.

I made it based upon my personal experience in a vehicle accident remediation process that still galls me.
Thanks - I'm very sorry you had a bad experience.
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Old 08-25-2014, 11:27 AM   #72
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Old 08-25-2014, 09:33 PM   #73
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I must say that Farm Bureau responded quickly with payment in full for the recent damage to my Airstream. The damage was from a windblown party tent that took flight in a storm, and did over $8100 in damages.


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Old 08-27-2014, 06:45 PM   #74
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Update. The damage to the Airstream was appraised today by a LM adjuster. During our conversation yesterday, he told me that it would take a few days and then he would contact me to discuss the N.A.D.A. value if in fact it was determined to be a total loss. I reminded him that N.A.D.A was notoriously low, in regards to RV values. Can anyone suggest where I might 'steer' him to find a more accurate value?


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Old 08-27-2014, 06:50 PM   #75
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I'd get a public claims adjuster if they are talking NADA. I don't remember the age of your trailer, but maybe show him like trailers that are for sale.
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Old 08-27-2014, 08:58 PM   #76
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Pat, get estimates of value from your selling dealer and maybe one or two others. I think you said your trailer is about 6 months old. Should be covered for replacement cost of the price you paid.
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Old 08-27-2014, 09:52 PM   #77
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Maybe someone here knows the logic used by adjusters when working with "customers". The goal must be "to make you whole"...or at least restore you to a slightly depreciated based upon your personal wear/use. Like within $500.

Next you have your personal impact..we can attest to the damage done there, I bet family and close friends can attribute some weight to that part of the damages.
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Old 08-28-2014, 08:37 AM   #78
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When any new trailer rear bumper passes the edge of the dealership lot as one starts to tow it home, the value just dropped about 25%. If there is a loan, one is wise to also carry "GAP" insurance to make up that difference to pay off the loan in the event of a "total" loss.

Some insurance carriers provide for full replacement in the first few years of ownership. That is a good deal. We are using Good Sam with that specific feature.

We have increased the declared value to cover all the after sale modifications which are about 25% of the original list price.

Our original insurance carrier on the 25FB would have only paid the "actual cash value" so we would have had to eat that 25% value loss. That is a really bad deal for the consumer as the premium is based on what you paid for it.
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Old 08-28-2014, 10:07 AM   #79
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Switz saw your post about Pat's incident and you mention that you have Good Sam. Just an FYI. I had Good Sam which is actually a policy from National General. My storage lot, which has the standard storage lot disclaimer that they aren't responsible for anything that happens, moved my 2 month old trailer and ran it into a wall. Damage estimate from Airstream, $11K.

I filed a claim with Good Sam which they promptly denied. In their policy through National General in Part D6 they have the following:

6. loss to your covered auto or any non-owned auto being maintained or use by any person while employed or otherwise engaged in the business of: A. selling, b. repairing, c. servicing, d. storing, e. parking, f. road testing or g. delivering

This is typical language in a policy with the EXCEPTION of the words 'covered auto’.

I got quotes and sample policies from 3 other carriers and NONE had that language in the exclusion section.

So if you drop your trailer off for warranty work and while moving it the service center runs it into a wall or otherwise damages the trailer you are at the mercy of other guys insurance company if you have a policy with Good Sam/National General.

So my lesson learned was to look more closely at the insurance exclusions and will never do business with Good Sam/National again. Lots of other companies out there, competitive prices and many also offer the replacement coverage you mention during the early years of ownership.
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Old 08-28-2014, 10:52 AM   #80
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NADA values are very low on Airstream trailers.They are not real world selling prices.I would ask them to do a market evaluation on real sale prices.Also gather all service and maintenance bills,and upgrades that you have made in order to justify them settling with you for more money than just the average Airstream trailer.Also you make sure that the comps they find are the same model and had the same factory options as yours.You might do your own market analysis so you are on the same page.
Let the negotiations begin...............
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Old 08-28-2014, 11:56 AM   #81
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Pat, thanks so much for posting this. So glad that you and your spouse emerged (relatively) unscathed. No doubt, you were very fortunate! We just got back Monday from an 8,200 mile trip with our Airstream, and though I'm about as defensive a driver as possible there were two instances where if I hadn't been focused there would have been a situation. We saw one RV accident. I-40, just W of Memphis...around 30' SOB on its side in the median, TV also flipped on its side. I have to say that while your trailer clearly got it -- it looks pretty good compared with what was left of the SOB-- which basically looked like an explosion had gone off...walls, roof, etc...all separated. Please let us know how this all ends up for you. Barry
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Old 08-28-2014, 06:41 PM   #82
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find and show him recent purchases of the very same rig w same equipment. They want a true comparison. A dealer can help there, especially if they cam show one that sold and inc the sales price.. Also give a copy of your sales slip. It also shows true value. Forget NADA...useless.
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Old 08-28-2014, 06:41 PM   #83
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find and show him recent purchases of the very same rig w same equipment. They want a true comparison. A dealer can help there, especially if they cam show one that sold and inc the sales price.. Also give a copy of your sales slip. It also shows true value. Forget NADA...useless.
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Quote:
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Update. The damage to the Airstream was appraised today by a LM adjuster. During our conversation yesterday, he told me that it would take a few days and then he would contact me to discuss the N.A.D.A. value if in fact it was determined to be a total loss. I reminded him that N.A.D.A was notoriously low, in regards to RV values. Can anyone suggest where I might 'steer' him to find a more accurate value?


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Old 08-28-2014, 07:41 PM   #84
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Just now seeing this thread....so glad you guys are okay. Sorry to hear about your 'stream. I truly hope the insurance comes through for ya.
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