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chuckbear's avatar
chuckbear
Explorer
May 17, 2022

Road Debris Damage

Heading down I-95 through Georgia we hit a “road gator” and it damaged the exhaust and drive shaft. After much ado, we now have the rv in the shop for repairs and currently have no idea how long it will be there. My question is, should we file a claim with our insurance company since repairs are going to be big bucks? Chuck
Class A
  • BurbMan's avatar
    BurbMan
    Explorer II
    May 18, 2022
    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.
  • RetiredRealtorR's avatar
    RetiredRealtorR
    Explorer
    May 18, 2022
    Isn't that why we carry insurance?

    Hopefully you don't have a crazy high deductible -- take a look at your policy.
  • rgatijnet1's avatar
    rgatijnet1
    Explorer III
    May 18, 2022
    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.

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