Forum Discussion

ajriding's avatar
ajriding
Explorer II
Dec 01, 2015

RV value in an accident

So, I just got hit last week. The damage does not look bad, but the body shop and the mechanic both say totaled. The door is too bad to fix, and the front axle is too bent to fix for what ins would pay.
My concern is there anyway to get the real value of the RV from the ins company? They want to pay minimal and the RV components are worth more alone.
It will cost 3 times that to replace my RV even considering its age
Seeking Advice

27 Replies

Show More
  • Bird_Freak's avatar
    Bird_Freak
    Explorer II
    Dec 01, 2015
    This is pretty simple really. Did you insure as a truck or a rv? If truck they will pay the value of the truck and you should be able to keep contents. If custom rv it should have a stated value policy.
  • Crowe's avatar
    Crowe
    Explorer
    Dec 01, 2015
    Buy it back from insurance co. With a portion of settlement monies.

    X 2, then sell for parts if you think it's worth more that way. Keep in mind that may be offset by whatever it costs to get rid of whatever is left. Your insurance company should be dealing directly with the other's insurance company. If they are any good, your insurance company will fight to get the last dollar.
  • Rollnhome's avatar
    Rollnhome
    Explorer
    Dec 01, 2015
    Buy it back from insurance co. With a portion of settlement monies.
  • dapperdan's avatar
    dapperdan
    Explorer
    Dec 01, 2015
    That sucks, sorry to hear you had problems! I've often wondered what would transpire in the event of an accident myself.

    I guess the insurance companies use just about the same protocol for RVs as they do for automobiles and light trucks, you get what THEY say it's worth and not a penny more!

    I guess it's time to use these guys and go after a better settlement.




    :B Dan
  • enblethen's avatar
    enblethen
    Nomad
    Dec 01, 2015
    Whose insurance company? If you got hit you should be dealing with your insurance company and not theirs.
    Go online and get the value of your rig by matching others of the same make and model.
    Go onto NADA online and get that value. Totaled value should be high book.
    Just saw previous post. If this is home made(custom) you are in trouble!
  • BB_TX's avatar
    BB_TX
    Nomad
    Dec 01, 2015
    From your profile you have a custom made RV built from a box truck type van. So there will be nothing to compare to for valuation purposes. It will be a negotiation between you and your insurance to arrive at an agreeable value, probably more agreeable to the insurance than you.

About RV Tips & Tricks

Looking for advice before your next adventure? Look no further.25,191 PostsLatest Activity: Apr 05, 2026