Forum Discussion

vrunner's avatar
vrunner
Explorer
Aug 24, 2020

Salvage class C

So my 2017 Class C was damaged by a tree. It put 2 holes through the roof into the coach, and damaged a few other areas. The awning was damaged, coping, skylight, frig vent, minor water damage inside, some electrical issues and the air bag on the left side blew out. The insurance company told me they are totaling it. I have full replacement insurance and started looking for a new unit. They reached out to me to tell me the salvage value which is 20% of the average NADA retail value and asked if I wanted to buy it.

So it got me thinking, do I by my unit back or let them take it and get a new one. The damage is repairable, but I would have to do it and it wouldn’t be 100% as the cost to do it would surpass the value. Then there is the whole salvage tile issue. Apparently in NJ you can only get liability on a rebuilt vehicle. I would have to get a salvage title, fix it, take it for inspection to get a rebuilt title.

It would be nice to own it free and clear but is it worth it? Anyone ever have a similar experience?
  • If you’re a mechanic, carpenter, auto body man, tin knocker and RV tech, and plan on keeping it 20 years, sounds like it could be a good deal financially!
    If you’re not, it’s not.
  • A friend had a tree fall on her Class A. They thought they could fix it
    (they didn't have insurance for that), but there was more damage than first seemed, like the big front window won't go in right- frame bent out of shape. whole thing got to be a handyman's worst nightmare the more they tore out the more damage was now exposed.

    Parting it out is peanuts for money, selling the furnace etc. Probably why they would like you to pay that 20%!!! Run away! :(

    I agree with above. Be glad you have the full insurance and enjoy your new rig.
  • You paid for full replacement insurance so I don’t see any reason not to just get another new unit and save the headaches (and trust me there will be complications) in rebuilding you damaged unit.