Road Debris Damage

YES

Richard

Why wouldn't you?

Yes. Unless it's not much more than the deductible!

Yes.

Re-treads should be outlawed.

We always had $1000 deductible so I would use it as my gauge. If the damage was $1200, I would not report it. If damage was $1500 or more, the insurance company gets a call.

Isn't that why we carry insurance?

Hopefully you don't have a crazy high deductible -- take a look at your policy.

rgatijnet1 wrote:
We always had $1000 deductible so I would use it as my gauge. If the damage was $1200, I would not report it. If damage was $1500 or more, the insurance company gets a call.

Seems like if you sneeze in a vehicle repair shop it's $1200 nowadays. I would get a ballpark estimate from the shop and proceed with similar logic as noted here based on your actual deductible.

Depending on what got damaged, ie catalytic converter, expensive driveshaft, etc., the bill may be more than you're expecting.

The drive shaft was seriously damaged and the rv was towed to the shop. They are only one of two anywhere near where we are that can make the repairs. So we have no choice but to have them repair it. I fully expect the repair cost to be major. The biggest problem is we don’t know how long it will take and we need to find accommodations during all this. I’m also sure the cost will be well above our deductible. Chuck

Hopefully your insurance can provide rental car or some kind of trip interruption insurance for hotels etc while your RV is being repaired.

But yes, the insurance company should have been one of the first people you called.

Immediately! Send pictures with the claim. Copy of the repair shop opening paperwork too.