Looking for some suggestions/comments on my TT damage from 3 blow outs. Last month we had 3 china blow outs and all 3 tires exploded with in one week while on vacation causing damage to the right and left side of trailer. Long story short...tire mfgr. received tires and confirmed that tread separation was to blame and they will be paying for trailer damage and there is quite a bit. My insurance company told me that they might have to charge me my ded. of $500 3 times ($1500)b/c they occurred on 3 different dates and 3 different tires. Does this sound like a normal and customary policy for a RV? I'd love to search thru my policy doc's but this is a tough scenario to find. I was also told that b/c this is a TT and not a motorhome normally the customer has to go and get all the quotes/estimates then submit them to Ins. for pmt. I requested to have mine looked at by an ins. adjuster so I wouldn't have to drag this to 3 different repair facilities and do the footwork myself. Any suggestions? I only owe $2k on this TT and was hoping to do the repairs myself to some degree and since I have a lien on it still I would have to get approval from leinholder first?

If the mfgr is stepping up, why is the insurance company involved?Sucks, but if there were three different occurances, you will probably have to pay three different deductibles.

Yes you had three separate losses per your post. It is good the tire company is going to reimburse. The wording of your policy rules the day.

Your insurance company should pay all except the 3 deductibles. They will then go after the tire manufacturer. When the tire manufacturer reimburses your insurance company, your insurance company will send you a check for your deductibles. Net cost to you is zero.

:HDon't understand why Ins. company is even involved.....tire company covering costs so no out of pocket should happen.G614 blew (3 1/2 yr. old) tore up side of rig & slide out.Repaired........Goodyear paid directlyIns. wasn't needed.Now IF Goodyear hadn't...then insurance would have been required.Deductible would have been applicable for EACH incident.Have you asked adjuster "WHY do I have to pay a deductible when the INS. company isn't paying for repairs?"I don't get it......Ins. covers....you pay deductibleTire company pays....no deductibleYou pay....tire company reimburses you

Old-Biscuit wrote::HDon't understand why Ins. company is even involved.....tire company covering costs so no out of pocket should happen.G614 blew (3 1/2 yr. old) tore up side of rig & slide out.Repaired........Goodyear paid directlyIns. wasn't needed.Now IF Goodyear hadn't...then insurance would have been required.Deductible would have been applicable for EACH incident.Have you asked adjuster "WHY do I have to pay a deductible when the INS. company isn't paying for repairs?"I don't get it......Ins. covers....you pay deductibleTire company pays....no deductibleYou pay....tire company reimburses youIt can work that way or as Tom N explained. Typically it is the owner's choice.

Insurance adjuster/policy question (trailer damage)

RedG
Explorer
Apr 16, 2013
If the mfgr is stepping up, why is the insurance company involved?
Sucks, but if there were three different occurances, you will probably have to pay three different deductibles.
Gale_Hawkins
Explorer
Apr 16, 2013
Yes you had three separate losses per your post. It is good the tire company is going to reimburse. The wording of your policy rules the day.
Tom_N
Explorer
Apr 16, 2013
Your insurance company should pay all except the 3 deductibles. They will then go after the tire manufacturer. When the tire manufacturer reimburses your insurance company, your insurance company will send you a check for your deductibles. Net cost to you is zero.
Old-Biscuit
Explorer III
Apr 16, 2013
:H

Don't understand why Ins. company is even involved.....tire company covering costs so no out of pocket should happen.

G614 blew (3 1/2 yr. old) tore up side of rig & slide out.
Repaired........Goodyear paid directly

Ins. wasn't needed.

Now IF Goodyear hadn't...then insurance would have been required.
Deductible would have been applicable for EACH incident.

Have you asked adjuster "WHY do I have to pay a deductible when the INS. company isn't paying for repairs?"

I don't get it......
Ins. covers....you pay deductible
Tire company pays....no deductible
You pay....tire company reimburses you
Gale_Hawkins
Explorer
Apr 16, 2013
Old-Biscuit wrote:
:H

Don't understand why Ins. company is even involved.....tire company covering costs so no out of pocket should happen.

G614 blew (3 1/2 yr. old) tore up side of rig & slide out.
Repaired........Goodyear paid directly

Ins. wasn't needed.

Now IF Goodyear hadn't...then insurance would have been required.
Deductible would have been applicable for EACH incident.

Have you asked adjuster "WHY do I have to pay a deductible when the INS. company isn't paying for repairs?"

I don't get it......
Ins. covers....you pay deductible
Tire company pays....no deductible
You pay....tire company reimburses you

It can work that way or as Tom N explained. Typically it is the owner's choice.
Oaklevel
Explorer
Apr 17, 2013
As far as the 3 estimates each state has their own requirements. In dealing with insurance I personally would weigh my rig loaded as it was on a CAT scale so that you have a record of the weight (if you don't already)........before they decide that it is your fault the trailer was overloaded causing the tread to separate..........
skipnchar
Explorer
Apr 17, 2013
How did the manufacturer get involved in an insurance matter? Take it to the dealer of your choice and get an estimate from him. You should HAVE no deductable if the tire manufacturer is paying for the damage but if they DO charge you tripple, you should get it back from the tire company. DO NOT allow them to put new tires of the same brand on as part of the settlement or you'll probably be going through the whole thing again. Three things are CERTAIN i life. Death, taxes and Chinese tires blow up.
Fishinghat
Explorer II
Apr 17, 2013
Having to pay three deductibles is required since there were three separate losses.

Your policy requires you cooperate in obtaining repair estimates, which could be interpreted as you having to take it to three repair facilities. However, if it is not movable and the repair facilities don't want to come out to look at your rig, then the company should send an adjuster, or "claims handler" as they are called now. That claims handler may be an independent adjuster who works on a fee basis for various companies. The rule is "reasonable and prudent" when requiring an insured (you) to do something.
ddschuman
Explorer
Apr 17, 2013
If you turned in the claim to your carrier, they are involved and yes...3 deductibles because it it 3 different incidences. The insurances company pays you (less deductible) and subrogate the tire manufacturer if they are at fault. Now if the tire manufacturer is dealing with you directly, you may be able to cancel the claim with the insurance carrier to avoid deductible. Chances of them taking the claim off your record could be slim. Who are you dealing with directly...your insurance carrier or tire manufacturer?
JJBIRISH
Explorer
Apr 17, 2013
Are you trying to get paid from both and then do the repairs yourself… sounds a little shady to me…

Forum Discussion

Insurance adjuster/policy question (trailer damage)

About RV Tips & Tricks

Related Content

Progressive Insurance questions

Insurance Question

Insurance Question on a TT

USAA Insurance

Insurance Cancelled