If you had an insurance claim for a mishap, hitting post or pull off tie down on a bad pot hole road. When the adjuster comes to check they find old broken area under the slide out and/or rot and they say that was caused by previous rot and broken areas and poor engineering. The mishap just made it happen and if it was in good shape it would not have happened.So what do you do, say or claim...in that case? THX for feed-back.

My Dad was in the insurance business for many years, and here's one of the things he taught me: Insurance companies track every call you make inquiring about coverage for specific losses. If you already have them involved, you might as well go through with the claim. (This regardless of whether you talked to a claims operator or "your" agent. Their first responsibility is to the companies they represent). The fact that you've reported an "incident" goes down in your record just as if you've filed a claim; paying out of pocket instead of with their money won't make a bit of difference in that department.

Call the AG's office. Would insurance cover if a ball joint failed and your front left or right suspension failed due to that. Lots of things don't become apparent till after an event. That's why they're called accidents. I understand a lot of insurance first response is denial and you have to push to get what you want. Talk to the Attorney Generals office. Send them copies of correspondence and see what happens but don't take no for an answer first thing. Make that wheel squeak loudly in your insurances ears. I'm sure Lance would like a chance to address the accusation of poor engineering.

Francesca Knowles wrote:My Dad was in the insurance business for many years, and here's one of the things he taught me: Insurance companies track every call you make inquiring about coverage for specific losses. If you already have them involved, you might as well go through with the claim. (This regardless of whether you talked to a claims operator or "your" agent. Their first responsibility is to the companies they represent). The fact that you've reported an "incident" goes down in your record just as if you've filed a claim; paying out of pocket instead of with their money won't make a bit of difference in that department.That is some of the best advice that I have seen on these forums. I made two separate calls to ask about coverage etc. Next thing I know, my rates went up for that very reason.

Francesca Knowles wrote:My Dad was in the insurance business for many years, and here's one of the things he taught me: Insurance companies track every call you make inquiring about coverage for specific losses. If you already have them involved, you might as well go through with the claim. (This regardless of whether you talked to a claims operator or "your" agent. Their first responsibility is to the companies they represent). The fact that you've reported an "incident" goes down in your record just as if you've filed a claim; paying out of pocket instead of with their money won't make a bit of difference in that department.This is great advice. I already knew this from my insurance agent. She told me that if I have any questions never call the company, always her. You see that if you call as said above they take your name and info and record the call in your file...when she calls she says she wants to verify something in a policy...without saying who for. It is a good practice...also my agent has been able to meet/beat anything I could do on my own and on my boat policy it has even better coverage than I could get for about 2/3's what I was being quoted. So far thx for the info.

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Camper_Jeff___K
Nomad III
May 31, 2014
Call the AG's office.
Would insurance cover if a ball joint failed and your front left or right suspension failed due to that. Lots of things don't become apparent till after an event. That's why they're called accidents. I understand a lot of insurance first response is denial and you have to push to get what you want. Talk to the Attorney Generals office. Send them copies of correspondence and see what happens but don't take no for an answer first thing. Make that wheel squeak loudly in your insurances ears. I'm sure Lance would like a chance to address the accusation of poor engineering.
Francesca_Knowl
Explorer
May 31, 2014
My Dad was in the insurance business for many years, and here's one of the things he taught me:

Insurance companies track every call you make inquiring about coverage for specific losses. If you already have them involved, you might as well go through with the claim. (This regardless of whether you talked to a claims operator or "your" agent. Their first responsibility is to the companies they represent). The fact that you've reported an "incident" goes down in your record just as if you've filed a claim; paying out of pocket instead of with their money won't make a bit of difference in that department.

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