Why be afraid of using insurance, that's what you bought it for. For example, you have a $50,000 fifth wheel and incur a total loss, fully covered by the insurance company and your insurance is, just for kicks, $2,500 per year. After the claim, your insurance goes up $500 to $3,000 per year. So, the $50,000 claim will be recouped by the insurance company in 100 years and you have a new fifth wheel. Now, it might be worse if they cancelled you, but you will probably be able to get insurance somewhere for not much more than you were paying. Now, when you are talking about smaller claims, then the increase can have a bigger effect, but there is no reason not to use your insurance if you paid for it.