2016 TT may be totaled

For what's it worth, I was told by two repair shops that normally if the repairs cost more than 80 percent of the current value of the trailer, they will total it. My current estimate has the repairs being around 24k when the MRSP to begin with was only 23k and I gave a lot less than that.

Camper G wrote:
Correct, only the insurance carrier makes the coverage determination on whether a vehicle is totaled or not. It's at their option to repair or replace. A shop can write or state whatever they want, it has no bearing on the carriers decision.

Hope it works out for you and it is totaled, if that's what you want to happen. I'd not really want a new, damaged and repaired rig either. They are leak prone to begin with, let alone having one hit and then fixed.

If it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some optionsIf it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some options

Yes I had a dealer tell me that they have done that in the past, taken the damaged rig plus the insurance check and put that into another Travel Trailer. If my insurance doesn't total it, that might be the route I go so as that the whole Summer is not wasted.

For what it's worth, I owned an enclosed car trailer that my dad was using. A semi truck ran a stop sign and T-boned the trailer. The whole side of the trailer was damaged, axle bent etc. I was really hoping the insurance co would total the trailer but they didn't. We ended up taking the trailer back to the manufacturer (which has its own repair facilities). They told us the insurance companies almost never total a trailer, even if the repairs cost more than a new trailer. There was a 40 something foot gooseneck trailer on the lot that had been rolled and the insurance co wouldn't even total it. When we got our trailer back it was good as new though, no one could of ever told it had been repaired, and I never had any issues with it either. Don't know if camper trailers are handled in the same manner but that was my experience. The insurance company wanted us to get 3 quotes for repairs but we insisted on taking it directly to the manufacturer since it was their clients fault and the trailer was practically brand new at the time.

Correct, only the insurance carrier makes the coverage determination on whether a vehicle is totaled or not. It's at their option to repair or replace. A shop can write or state whatever they want, it has no bearing on the carriers decision.

Hope it works out for you and it is totaled, if that's what you want to happen. I'd not really want a new, damaged and repaired rig either. They are leak prone to begin with, let alone having one hit and then fixed.

If it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some options

FloridaReLoaded wrote:

yillb wrote:
Your dealer can't possibly know if it's totaled, the insurance company has to say that. You said insurance hasn't gotten back to you, then you say the dealer said it was totaled. Which is it ?

Yeah they can if they did the estimate, my estimate says its a total total loss! The labor alone will cost more than I paid for the trailer new and is actually more than the original MSRP. But you're right it's not officially totaled until my insurance company says it is. I'm waiting to hear back from them! How hard is it for you guys to understand that.

Let's go over what we don't understand.
1. Some providers will pay more than the trailer is worth to fix it.
2. A dealer can't determine if it's a write off loss
3. How the hell do we know if it's totaled if we can't see it.
4. If someone hit you, then you may be entitled to a fix even if you don't use your own insurance, regardless of the cost, I've even done it on my motorcycle, ND I know Geico does it on trailers.
5. You have absolutely no idea as to what even haooened.
6. It sounds like you're just having a bad time with it and you're pissed off, rightfully so, but support forums are for support. With no data, we can't give an answer
7. You asked an unsanswerable question

Hope that helps

yillb wrote:
Your dealer can't possibly know if it's totaled, the insurance company has to say that. You said insurance hasn't gotten back to you, then you say the dealer said it was totaled. Which is it ?

Yeah they can if they did the estimate, my estimate says its a total total loss! The labor alone will cost more than I paid for the trailer new and is actually more than the original MSRP. But you're right it's not officially totaled until my insurance company says it is. I'm waiting to hear back from them! How hard is it for you guys to understand that.

Your dealer can't possibly know if it's totaled, the insurance company has to say that. You said insurance hasn't gotten back to you, then you say the dealer said it was totaled. Which is it ?

My cousin had one that had leaked since new but he ignored it, insurance co. paid for a new roof, then totaled it, he bought it back from the ins co. for a song but had to take it to get it inspected so he could get a title as when totaled the title was changed to wreck. No problem there as the co. that replaced the roof inspected the unit, so he got the paperwork from them and got his new title.

shaner82 wrote:
I think what he's asking is whether it's generally better to have something totaled or repaired? Not whether his specific trailer should be totaled

Thank You!

Well, some people are upside down financially on an RV that new. If so, and it's totaled, you could wind up OWING the bank the difference of what the Ins thought it was worth, and what you owed.