We have Allstate insurance on a 10 year old fifth wheel. We had some body damage to the fifth wheel on a trip and it has been estimated to be about $5000 to fix it perfect, or about $3000 to fix it OK for a ten year old camper. What is your opinion? Do we turn it in to the insurance? How much will our rates go up? If we don't turn it into the insurance for a claim, we would pay for it ourselves and take the cheaper way. We probably plan on keeping this fifth wheel another five years. Any opinions one way or the other?

I doubt your rates will go up $1000 per year. If you are keeping the 5er 5 years then it would be cheaper to put it through insurance.

File the claim. If they raise your rates, find another company

dverstra wrote:If they raise your rates, find another companyThen the next company may charge you more because of your claim history.Still, it should not go up that much. File the claim and have it done perfectly for that $5000.Remember that you most likely have a deductible on that policy so you pay that first and the insurance company will pay the rest.

Allstate will definitely raise your rates. My take would be to claim the loss and look for another insurance company. My recent experience with Allstate has been sour as they cancelled my homeowners insurance saying my shake shingles had dry rot. This occurrence happened without any prior notice and was in the middle of this winter. Needless to say I cancelled them after 25 years as a policy holder.My son had a small accident $1500.00 after many years without and accident. His Allstate policy rates went up significantly.

I have never had a rate increase due to a claim, but then only a couple of minor claims. Same carrier since 1965. I think I will stick around.

Insurance rate increase after a claim? | Good Sam Community

1mtnman
Explorer II
Apr 29, 2014
Allstate will definitely raise your rates. My take would be to claim the loss and look for another insurance company. My recent experience with Allstate has been sour as they cancelled my homeowners insurance saying my shake shingles had dry rot. This occurrence happened without any prior notice and was in the middle of this winter. Needless to say I cancelled them after 25 years as a policy holder.
My son had a small accident $1500.00 after many years without and accident. His Allstate policy rates went up significantly.
smyke
Explorer
Apr 29, 2014
dverstra wrote:
If they raise your rates, find another company

Then the next company may charge you more because of your claim history.

Still, it should not go up that much. File the claim and have it done perfectly for that $5000.
Remember that you most likely have a deductible on that policy so you pay that first and the insurance company will pay the rest.
dverstra
Explorer
Apr 29, 2014
File the claim. If they raise your rates, find another company
Jack_Diane_Free
Explorer
Apr 29, 2014
I doubt your rates will go up $1000 per year. If you are keeping the 5er 5 years then it would be cheaper to put it through insurance.

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