cancel
Showing results forย 
Search instead forย 
Did you mean:ย 

Is this damage worth reporting to Insurance?

lacofdfireman
Explorer
Explorer
So if you have ready of my last posts on here you know we were looking to tow our Jeep Cherokee behind our Motorhome. Well we had both a Failure and a success. First off we were heading to California and after owning a Class A for almost 5 years figured it was time to pull something behind so when we got to the RV Park we weren't tied to the Motorhome. Well we got it all figured out and bought my Blue Ox Towbar, Blue Ox Aventa 2 tow bars, Safety Chains, and 7way to 4 way plug. Also bought a Ready Brake to install in the Cherokee. Everything was great. I installed it all and took it around the block a few times and everything worked well. 50 miles into the trip I hear a clank and I look over at the Backup monitor and see sparks flying all over the tow vehicle. I though we had a brake fire or something. We pulled off the freeway and the Jeep was against the side of the Motorhome and the Hitch is still attached to the Jeep. The receiver either broke the Hitch Pin or it came unlatched somehow. I now for a fact that it was put in right as I checked it twice. Weird thing is before we left I had looked at this extra hitch pin sitting on my garage floor like 4 different times as I passed it loading stuff into the Motorhome and on the last one I thought I should just throw this in with my tools. Good thing we did as we would have not been able to tow without it.

We got everything hooked back up and headed back down the road without incident the rest of the trip. So I guess that's our success part. Lesson learned was I was glad I bought the extra weight Blue Ox safety chains as they kept our Cherokee with us instead of breaking and sending the cherokee off into the desert or worse another vehicle. I have been towing for 20 plus years with RV's Trucks etc including being an OTR Truck driver for 5 years without incident. Glad this one turned out without any further damage than what happened.

So now I need to decide if the damage is enough to warrant an insurance claim or not. I don't want to if I don't have to but I don't know how to fix fiberglass either. So what do you think about this damage? Does it warrant an insurance claim? Photo's below.









Damage is basically all the rear cap of the Motorhome. No damage to the compartment in front of damage. Looks like just a small area would need to be replaced or fixed and then the trim piece... But I'm not sure what would be involved.

Jeep Damage

2007 Forest River Georgetown 350 DS SE Bunk Model Class A V10
2013 Yamaha Super Tenere 1200 ADV Bike
MotoJug Motorcycle Hydration System








51 REPLIES 51

lacofdfireman
Explorer
Explorer
Executive wrote:
Obviously the ReadyBrake was NOT hooked up correctly. The ReadyBrake cable attaches to the FRAME of the towed vehicle and to the FRAME of the towing vehicle. If the towed vehicle becomes separated from the towing vehicle the small aluminum spacer snaps and the towed vehicle stops in it's tracks. I would say it's operator error that allowed the two vehicles to come together. Insurance is the only way to go....Dennis


You are wrong about the ready brake system. The cable does not attach to the Motorhome frame. It attaches to the Ready Brake brake actuator on the receiver and the receiver goes into the receiver hitch on the frame. You are thinking of the Ready Stop which is there break away system which mine did not have

User error. It could possibly be and I'll never know but I would bet my life it was the locking mechanism on the hitch pin. I specifically remember putting it on and pulling against the lock as I have done 100 times over. Either way lesson learned.

How about a question for you all. What type of receiver hitch pin do you use?
2007 Forest River Georgetown 350 DS SE Bunk Model Class A V10
2013 Yamaha Super Tenere 1200 ADV Bike
MotoJug Motorcycle Hydration System








stvdman
Explorer
Explorer
holstein13 wrote:
Executive wrote:
I've always wondered about this. Are you sure that all Ready Brake systems have this? The only reason I ask is because Ready Brake sells a supplementary break away package called the ready stop.

According to the website, "This device will set and hold the brakes on your towed vehicle in the event it should ever become separated from your RV while in motion." Maybe the OP doesn't have this add-on.

Looking at the diagram on the Ready Stop page, I'm not even sure it would have worked in this situation.


My readybrake did not come with that...but after looking at this post, I think I will order it!

holstein13
Explorer
Explorer
Executive wrote:
Obviously the ReadyBrake was NOT hooked up correctly. The ReadyBrake cable attaches to the FRAME of the towed vehicle and to the FRAME of the towing vehicle. If the towed vehicle becomes separated from the towing vehicle the small aluminum spacer snaps and the towed vehicle stops in it's tracks. I would say it's operator error that allowed the two vehicles to come together. Insurance is the only way to go....Dennis
I've always wondered about this. Are you sure that all Ready Brake systems have this? The only reason I ask is because Ready Brake sells a supplementary break away package called the ready stop.

According to the website, "This device will set and hold the brakes on your towed vehicle in the event it should ever become separated from your RV while in motion." Maybe the OP doesn't have this add-on.

Looking at the diagram on the Ready Stop page, I'm not even sure it would have worked in this situation.
2015 Newmar King Aire 4599
2012 Ford F150 Supercrew Cab
-------------------------------------------------------------
`

Executive45
Explorer III
Explorer III
Obviously the ReadyBrake was NOT hooked up correctly. The ReadyBrake cable attaches to the FRAME of the towed vehicle and to the FRAME of the towing vehicle. If the towed vehicle becomes separated from the towing vehicle the small aluminum spacer snaps and the towed vehicle stops in it's tracks. I would say it's operator error that allowed the two vehicles to come together. Insurance is the only way to go....Dennis
We can do more than we think we can, but most do less than we think we do
Dennis and Debi Fourteen Years Full Timing
Monaco Executive M-45PBQ Quad Slide
525HP Cummins ISM 6 Spd Allison
2014 Chevrolet Equinox LTZ W/ ReadyBrute
CLICK HERE TO VIEW OUR TRAVEL BLOG

Johnny_G1
Explorer
Explorer
lacofdfireman wrote:
DownTheAvenue wrote:
lacofdfireman wrote:
...50 miles into the trip I hear a clank and I look over at the Backup monitor and see sparks flying all over the tow vehicle.... The receiver either broke the Hitch Pin or it came unlatched somehow. I now for a fact that it was put in right as I checked it twice. Weird thing is before we left I had looked at this extra hitch pin sitting on my garage floor like 4 different times as I passed it loading stuff into the Motorhome and on the last one I thought I should just throw this in with my tools.


First I am so glad the incident was no more serious than it was. It could have ended so much worse, as you know. Having said that, you should not be so certain that everything was correctly pinned up. Where did that extra pin on the garage floor come from? I bet it was left uninstalled somewhere in the set up.

You would be very wise to take pictures of the correct set up and make a check list to use every time you hook up.


Thanks for the advise. Not that I don't appreciate it but there was "NOTHING" left out of my setup. The extra pin was from the many receiver hitches that I have. I tow boats, enclosed trailers, flatbeds etc with my Truck and Motorhome and have never had an incident. There are only 2 possible reasons this came unhitched.
1. The pin broke (Not likely)
2. The locking mechanism on the pin failed (Most likely).
There is no possible way I left something out of the hitch system. Zero. I'm thinking the locking mechanism on the pin was the problem... But I have no way to find that out as it was not around after the incident. I could not have driven over 50 miles up and down hills, around corners over speed bumps, etc with no pin in for 50 + miles.

This is the style of pin I was using...

I have had the lock not work on that type of pin, Lost the lock somewhere between Whitehorse and Chicken Alaska and the only reason it didn't fall out was because of the safety cable holding the pin in on a Blueox towbar. checked the other one and found it full of grime from the road, no cover to keep the **** out and every time I hooked or unhook it pushed more garbage into the lock.
98 Mountain Aire 34' 210 Cummins Puller and 2001 dodge dully with all the toy's, 400 + hp pullin a 2001 32.5' Okanogan 5th wheel, new to us after 5 yrs with the 28' Travel Aire. Lots of fun.

olfarmer
Explorer
Explorer
Wow, you have me worried now as I have a ready brake with a locking pin similar to what you had. :E I would turn it in, the bumper on your jeep is one piece with the grill. I have a jeep also and hit a deer, the bumper/grill is all one piece and has to be painted to match. The damage on the MH is also significant. Wishing you the best of luck.
Ed & Ruby & the 2 cats
2001 Winnebago Brave 30W
7.4 gas Work Horse Chassis
99 Jeep Grand Cherokee

lacofdfireman
Explorer
Explorer
Took it in tonight for an estimate. Going to make a claim. State Farm said since I own both vehicles and have insurance on both I only pay 1 deductible. That's good.
2007 Forest River Georgetown 350 DS SE Bunk Model Class A V10
2013 Yamaha Super Tenere 1200 ADV Bike
MotoJug Motorcycle Hydration System








AllegroD
Nomad
Nomad
hershey wrote:
You have a lot of damage. Thats what you pay the insurance company for year after year. Call em.

x2 Just do it.

lacofdfireman
Explorer
Explorer
DownTheAvenue wrote:
lacofdfireman wrote:
...50 miles into the trip I hear a clank and I look over at the Backup monitor and see sparks flying all over the tow vehicle.... The receiver either broke the Hitch Pin or it came unlatched somehow. I now for a fact that it was put in right as I checked it twice. Weird thing is before we left I had looked at this extra hitch pin sitting on my garage floor like 4 different times as I passed it loading stuff into the Motorhome and on the last one I thought I should just throw this in with my tools.


First I am so glad the incident was no more serious than it was. It could have ended so much worse, as you know. Having said that, you should not be so certain that everything was correctly pinned up. Where did that extra pin on the garage floor come from? I bet it was left uninstalled somewhere in the set up.

You would be very wise to take pictures of the correct set up and make a check list to use every time you hook up.


Thanks for the advise. Not that I don't appreciate it but there was "NOTHING" left out of my setup. The extra pin was from the many receiver hitches that I have. I tow boats, enclosed trailers, flatbeds etc with my Truck and Motorhome and have never had an incident. There are only 2 possible reasons this came unhitched.
1. The pin broke (Not likely)
2. The locking mechanism on the pin failed (Most likely).
There is no possible way I left something out of the hitch system. Zero. I'm thinking the locking mechanism on the pin was the problem... But I have no way to find that out as it was not around after the incident. I could not have driven over 50 miles up and down hills, around corners over speed bumps, etc with no pin in for 50 + miles.

This is the style of pin I was using...

2007 Forest River Georgetown 350 DS SE Bunk Model Class A V10
2013 Yamaha Super Tenere 1200 ADV Bike
MotoJug Motorcycle Hydration System








DownTheAvenue
Explorer
Explorer
lacofdfireman wrote:
...50 miles into the trip I hear a clank and I look over at the Backup monitor and see sparks flying all over the tow vehicle.... The receiver either broke the Hitch Pin or it came unlatched somehow. I now for a fact that it was put in right as I checked it twice. Weird thing is before we left I had looked at this extra hitch pin sitting on my garage floor like 4 different times as I passed it loading stuff into the Motorhome and on the last one I thought I should just throw this in with my tools.


First I am so glad the incident was no more serious than it was. It could have ended so much worse, as you know. Having said that, you should not be so certain that everything was correctly pinned up. Where did that extra pin on the garage floor come from? I bet it was left uninstalled somewhere in the set up.

You would be very wise to take pictures of the correct set up and make a check list to use every time you hook up.

chuckftboy
Explorer
Explorer
Well since you ran into yourself, you'll surely have to pay the deductible, whatever it is but that's what insurance is for. That looks like a pricey repair.
2019 Horizon 42Q Maxum Chassis w/tag
Cummins L-9 450 HP / Allison 3000
2006 Jeep TJ and 2011 Chevy Traverse Tows

hershey
Explorer
Explorer
You have a lot of damage. Thats what you pay the insurance company for year after year. Call em.
hershey - albuquerque, nm
Someday Finally Got Here
My wife does all the driving - I just get to hold the steering wheel.
Face Book Group: All About RVing and We Fly RC's
Expedition - Chevy Equinox

jax1911
Explorer
Explorer
The cable in the picture is the surge break cable not the break away cable.

lacofdfireman
Explorer
Explorer
Gjac wrote:
lacofdfireman wrote:
Gjac wrote:
In addition to what others have said I would call the Towbar company and let them know what happened if you hooked it up correctly I would think they have some responsibility in correcting the situation. Also check with your insurance company and see if you have in your policy a vanishing deductible. I was camping with my friend last week and his motorhome rolled forward into his trees in front and he thought he had $1000 deductible which he did but over time it went to zero when he had no accidents. The Insurance company will now cover the entire damage with no cost to him.


Wasn't the Towbars fault. As you can see the entire receiver came out of the Motorhome and the tow bar etc was still attached to the jeep...
Maybe I still don't understand what exactly happened but doesn't the hitch pin go through the Ready Break, and wasn't the hitch pin supplied by Ready Break which either broke or came loose?


No. The hitch pin was not supplied by Ready Brake as I bought this system used. It was a locking hitch pin that I had been using for a number of years without fail. Until it did fail on this particular day. Not Ready Brakes fault. It worked as it should.
2007 Forest River Georgetown 350 DS SE Bunk Model Class A V10
2013 Yamaha Super Tenere 1200 ADV Bike
MotoJug Motorcycle Hydration System








hacker7
Explorer
Explorer
lacofdfireman wrote:
Having never made a claim before I'm wondering if I get an estimate does the insurance company write you a check or do they write a check to the repair facility? What I'm getting at is maybe the jeep part I can fix myself cheaper than the repair shop. That way if there was extra money it didn't cost me I could apply it to my deductible? Not sure if that's how it works though. Maybe that's not an option. The RV for sure I cannot repair. But the Jeep I probably can.


I have Allstate also. While parked someone hit my car and drove off. I called Allstate. They had me take it to an Allstate claim center for an estimate. They issued me a check for the damages on the spot. Although it was a bit low the body shop I took it to called Allstate and had the claim adjusted. Might be the way to go for the Jeep. Good luck. :W
1999 Winnebago Adventurer 32ft 7.4 Vortec. Islip N.Y.