am i covered

[thehippie]

i accidentally hit a low lying branch on the left side of my trailer in an attempt to avoid a low lying branch on the right side of my trailer when pulling up near my campground site.

am i covered with my insurance?

[path1]

New years eve neighbor had a tree fall on his trailer. He called foremost and got live operator to start claim process. Call your insurance company right now (825 PM my time right now. Call yours and see if anybody is even there. Little alone ask if you are covered. That would be indicator of how good your insurance company is or is not.

[ktmrfs]

jfkmk wrote:
The towing vehicle’s insurance will only cover liability insurance, not collision. If you have collision on your trailer, you’ll have the deductible to meet. If you put in a claim you run the risk of increased premiums.

on the "increased premiums" on my outback I got a torn roof from a branch, repaired under trailer policy. Not only did the premium not increase, the following year insurance premium actually went down about 10%.

[jfkmk]

The towing vehicle’s insurance will only cover liability insurance, not collision. If you have collision on your trailer, you’ll have the deductible to meet. If you put in a claim you run the risk of increased premiums.

[Lwiddis]

Your deductible is?

[FF286]

I would think it would be covered by insurance. Accidents like that is the reason to have insurance.
And even though it’s Saturday night I would probably ask the same question to ease my mind and hopefully enjoy the rest of my stay.

[Walaby]

Not trying to be an AZZ... but, it's Saturday night, even if someone tells you that you are covered (which they couldn't tell you without knowing your policy), what does that do other than make you feel better? Not like you're gonna get it fixed tomorrow.

If it makes you feel better, since you were moving, and it was hitched to your TV, your TV coverage may cover it. But, of course, you still will have a deductible.

Mike

[Teamfour]

I'd be more concerned about any damage done where the ladder mounts to the roof. Regardless, we damaged out TT (our fault) and our Allstate RV insurance covered it less the deductible.

[thehippie]

Wind River wrote:
Do you have collision insurance on your trailer? If so, you should be covered.

probably coz i bought it brand new and it's called progressive casualty insurance. but i'l have to check when i get how later.

[PastorCharlie]

Your deductible is probably more than the cost of the ladder.

[Wind_River]

Do you have collision insurance on your trailer? If so, you should be covered.

[thehippie]

Walaby wrote:
Call your insurance company and ask them.

Mike

i know but it's after hrs right now and saturday.

[Walaby]

Call your insurance company and ask them.

Mike

[thehippie]

my ladder got bent in the process, the corner roof has scratch marks but looks like its only scratch no obvious roof damage, the real damage was to my ladder though.