I thank everyone for taking the time to respond and care. The car and RV are both considered "totals" so that takes care of that. I will o reap enough to be able to afford another RV and will be lucky if I can get a car that will I will be happy with. So I will probably not be doing the RV thing but I will still be able to go to our place in Maine and use the cottage. I might be able to get a cheap travel trailer set up on my pad at our property and will just leave it there. USAA and Progressive, so far have been very helpful and I don't think that I am getting taken, BUT I do have a lawyer getting involved and we shall see where things go. Once again thanks for your responses and I will try to keep you posted.
I am widowed and travel alone so there is nothing to keep me from going where I want to. Well yes, money does come into that picture. LOL