We have Allstate insurance on a 10 year old fifth wheel. We had some body damage to the fifth wheel on a trip and it has been estimated to be about $5000 to fix it perfect, or about $3000 to fix it OK for a ten year old camper. What is your opinion? Do we turn it in to the insurance? How much will our rates go up? If we don't turn it into the insurance for a claim, we would pay for it ourselves and take the cheaper way. We probably plan on keeping this fifth wheel another five years. Any opinions one way or the other?

I doubt your rates will go up $1000 per year. If you are keeping the 5er 5 years then it would be cheaper to put it through insurance.

File the claim. If they raise your rates, find another company

dverstra wrote:If they raise your rates, find another companyThen the next company may charge you more because of your claim history.Still, it should not go up that much. File the claim and have it done perfectly for that $5000.Remember that you most likely have a deductible on that policy so you pay that first and the insurance company will pay the rest.

Allstate will definitely raise your rates. My take would be to claim the loss and look for another insurance company. My recent experience with Allstate has been sour as they cancelled my homeowners insurance saying my shake shingles had dry rot. This occurrence happened without any prior notice and was in the middle of this winter. Needless to say I cancelled them after 25 years as a policy holder.My son had a small accident $1500.00 after many years without and accident. His Allstate policy rates went up significantly.

I have never had a rate increase due to a claim, but then only a couple of minor claims. Same carrier since 1965. I think I will stick around.

Insurance rate increase after a claim? | Good Sam Community

mich800
Explorer
May 05, 2014
Redsky wrote:
In California it is illegal to raise rates after a claim is filed. Check your state's regs. Either way I would file the claim and worst case find another insurance company if Allstate increase your rates.

Overall Allstate is better than State Farm when it comes to actually paying claims.

I shop for insurance each year to verify that I am getting the best rates and with my current carrier to adjust my coverage levels on my cars, truck, boats, and house.

I am not from CA but just curious. Is it illegal to raise rates after a claim but before the policy expiration only. I would imagine they could raise rates at renewal.
RAS43
Explorer III
May 05, 2014
Greydog 1 wrote:
Just remember in all your dealings, no insurance company is your friend. Get your claim settled and if rates increase,send the company packing.

And keep them honest by getting quotes every 2-3 years from other companies. I have found savings for both home and auto this way.
Greydog_1
Explorer
May 05, 2014
Just remember in all your dealings, no insurance company is your friend. Get your claim settled and if rates increase,send the company packing.
Redsky
Explorer
May 02, 2014
In California it is illegal to raise rates after a claim is filed. Check your state's regs. Either way I would file the claim and worst case find another insurance company if Allstate increase your rates.

Overall Allstate is better than State Farm when it comes to actually paying claims.

I shop for insurance each year to verify that I am getting the best rates and with my current carrier to adjust my coverage levels on my cars, truck, boats, and house.
Bmach
Explorer II
May 01, 2014
My brain read it as somebody, instead of some body.
Ron3rd
Explorer III
Apr 30, 2014
Call your agent and discuss; they can probably give you the correct answer.
Turbo_Diesel_Du
Explorer
Apr 30, 2014
You should try Florida's rates. Exhorbitant (?)to say the least !!
kvangil
Explorer
Apr 30, 2014
dodge guy wrote:
I can tell you All State will raise your rates! My wife had an accident, first one almost 20 years. Car got fixed and they jacked up the rates by approx $500 a year! All that money paid into All State for 15 years with no accidents and they gouge you when you use it for the first time. I'm not one for regulation, but something like this is borderline criminal!

We went with another company and even with her accident it was cheaper than what we previously paid All State before the accident!

I see your experience is similar and you're in Illinois too. We're the state that gouges you in many different ways... LOL
kvangil
Explorer
Apr 30, 2014
Duck wrote:
kvangil wrote:
My parents had Allstate for several years. A few years ago, they made 1 claim for wind damage to the house, at a cost of about $2500. Their renewal rate went up 100%. Found them equivalent coverage with another carrier for less than what they paid before. Hope for the best, be prepared for the worst... Good luck!

Most insurance companies do not raise rate for a claim of this type,mother nature.
Don

I'm just telling you what I witnessed firsthand. It was accompanied by a letter that I don't recall exact message, but alluded to the fact that they filed the homeowners claim. That was 5+ years ago, so who knows what their practice is today. Up to that point, my parents were Allstate customers for 10+ years without filing a single claim...
wa8yxm
Explorer III
Apr 30, 2014
Laws vary from state to state but where I hang my Driver's License, the rules are as follows.

You hit me,,, I file a claim,, NO increase in my premium due to the claim. YOU, however. get ye-old SHAFT.

Likewise if I hit you.. I get shafted.

If I hit Tree, I get shafted.

Now that is the theory.. Here is the practice.

Rates go up. (Generally, there are exceptions) Does not matter if you scratch the paint, dent the fenders or park it in secure storage for the entire year and do not even expose it to risk.. RATES go up.. That said.

I recall one year when one forum member was complaining something like this:

Good driving record, No tickets, No accidents, No claimes and my rates went up $X,XXX.00 dollars. I forget the amount.

But that is more than I pay for insurance on this rig per year.. .Mine, that year, went down some 2 or 3 hundred (forget which).

That said.. I now have a major complaint with my insurance company.. They ....issed me off as it were so I'm shopping for new coverage.

Would you believe a Motor Home is *NOT* an automobile? That's what they claim.