2016 TT may be totaled

[FloridaReLoaded]

I crashed my TT a week ago and it looks like it may be totaled. Is that what I should be hoping for or should I hope that it's repairable?

Pro's and Con's

[rbpru]

It seems to me that if the dealer was willing to take a damaged trailer and insurance check as a trade in, the damage can not be too serious.

Either that or the actual trade value is rather small.

But, if you want out from under the whole mess, all it costs is money.

My choice would be based on how much I liked the damaged TT.

[FloridaReLoaded]

Camper G wrote:

Cecilt wrote:

FloridaReLoaded wrote:

Camper G wrote:
Correct, only the insurance carrier makes the coverage determination on whether a vehicle is totaled or not. It's at their option to repair or replace. A shop can write or state whatever they want, it has no bearing on the carriers decision.

Hope it works out for you and it is totaled, if that's what you want to happen. I'd not really want a new, damaged and repaired rig either. They are leak prone to begin with, let alone having one hit and then fixed.

If it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some optionsIf it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some options

Yes I had a dealer tell me that they have done that in the past, taken the damaged rig plus the insurance check and put that into another Travel Trailer. If my insurance doesn't total it, that might be the route I go so as that the whole Summer is not wasted.

Not true. If you have a lien the bank won't allow you to do this.

The lien would have to be satisfied, but beyond that it's the option of the owner

Yes, I talked to the salesman today and he laughed when I told him about this. He stated that as long as the note was paid off by them I could do whatever I wanted to do, that the loan would be paid off. He said it wouldn't be any difference than me coming in there trading it in while still owing on it. I would give them the trailer and the insurance check that was issued for repairs and they in return would immediately pay my loan off. Then they would repair the trailer and put it out on their lot for sale. In the meantime I would have me a new trailer of my choice given that we could reach a deal.

[Camper_G]

Cecilt wrote:

FloridaReLoaded wrote:

Camper G wrote:
Correct, only the insurance carrier makes the coverage determination on whether a vehicle is totaled or not. It's at their option to repair or replace. A shop can write or state whatever they want, it has no bearing on the carriers decision.

Hope it works out for you and it is totaled, if that's what you want to happen. I'd not really want a new, damaged and repaired rig either. They are leak prone to begin with, let alone having one hit and then fixed.

If it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some optionsIf it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some options

Yes I had a dealer tell me that they have done that in the past, taken the damaged rig plus the insurance check and put that into another Travel Trailer. If my insurance doesn't total it, that might be the route I go so as that the whole Summer is not wasted.

Not true. If you have a lien the bank won't allow you to do this.

The lien would have to be satisfied, but beyond that it's the option of the owner

[FloridaReLoaded]

wnjj wrote:

yillb wrote:

FloridaReLoaded wrote:

yillb wrote:
Your dealer can't possibly know if it's totaled, the insurance company has to say that. You said insurance hasn't gotten back to you, then you say the dealer said it was totaled. Which is it ?

Yeah they can if they did the estimate, my estimate says its a total total loss! The labor alone will cost more than I paid for the trailer new and is actually more than the original MSRP. But you're right it's not officially totaled until my insurance company says it is. I'm waiting to hear back from them! How hard is it for you guys to understand that.

Let's go over what we don't understand.
1. Some providers will pay more than the trailer is worth to fix it.
2. A dealer can't determine if it's a write off loss
3. How the hell do we know if it's totaled if we can't see it.
4. If someone hit you, then you may be entitled to a fix even if you don't use your own insurance, regardless of the cost, I've even done it on my motorcycle, ND I know Geico does it on trailers.
5. You have absolutely no idea as to what even haooened.
6. It sounds like you're just having a bad time with it and you're pissed off, rightfully so, but support forums are for support. With no data, we can't give an answer
7. You asked an unsanswerable question

Hope that helps

None of those have to do with what the OP asked. He simply asked if he should be hoping for a total or not, pros and cons.

My answer is it depends if the trailer is exactly what you wanted and is hard find. Replacing with a new one may cost you extra cash or end up with a less desireable unit. If not attached to that trailer, I'd hope for a total because repaired may never be as good as new.

Thank you

[wnjj]

yillb wrote:

FloridaReLoaded wrote:

yillb wrote:
Your dealer can't possibly know if it's totaled, the insurance company has to say that. You said insurance hasn't gotten back to you, then you say the dealer said it was totaled. Which is it ?

Yeah they can if they did the estimate, my estimate says its a total total loss! The labor alone will cost more than I paid for the trailer new and is actually more than the original MSRP. But you're right it's not officially totaled until my insurance company says it is. I'm waiting to hear back from them! How hard is it for you guys to understand that.

Let's go over what we don't understand.
1. Some providers will pay more than the trailer is worth to fix it.
2. A dealer can't determine if it's a write off loss
3. How the hell do we know if it's totaled if we can't see it.
4. If someone hit you, then you may be entitled to a fix even if you don't use your own insurance, regardless of the cost, I've even done it on my motorcycle, ND I know Geico does it on trailers.
5. You have absolutely no idea as to what even haooened.
6. It sounds like you're just having a bad time with it and you're pissed off, rightfully so, but support forums are for support. With no data, we can't give an answer
7. You asked an unsanswerable question

Hope that helps

None of those have to do with what the OP asked. He simply asked if he should be hoping for a total or not, pros and cons.

My answer is it depends if the trailer is exactly what you wanted and is hard find. Replacing with a new one may cost you extra cash or end up with a less desireable unit. If not attached to that trailer, I'd hope for a total because repaired may never be as good as new.

[FloridaReLoaded]

trail-explorer wrote:
how did you wreck the trailer?

Did you wreck the tow vehicle too?

Pulled up to one those stand alone ice machines that sell ice by the bulk or by the bag. Ive pulled up to it over a dozen times with out the trailer. A couple guys were driving golf balls in a open pasture next to it so I pulled up a little closer than usual in case one of them hooked it. Anyways I got my ice looked in my rear side mirror on my driver side and saw the post but didn't notice the awning on top of the post. Pulled out and caught the corner of the awning. It was a home made awning, didn't hurt the awning but tore into the trailer about a foot down from the top. It was a low awning.

[FloridaReLoaded]

Cecilt wrote:

FloridaReLoaded wrote:

Camper G wrote:
Correct, only the insurance carrier makes the coverage determination on whether a vehicle is totaled or not. It's at their option to repair or replace. A shop can write or state whatever they want, it has no bearing on the carriers decision.

Hope it works out for you and it is totaled, if that's what you want to happen. I'd not really want a new, damaged and repaired rig either. They are leak prone to begin with, let alone having one hit and then fixed.

If it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some optionsIf it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some options

Yes I had a dealer tell me that they have done that in the past, taken the damaged rig plus the insurance check and put that into another Travel Trailer. If my insurance doesn't total it, that might be the route I go so as that the whole Summer is not wasted.

Not true. If you have a lien the bank won't allow you to do this.

Ive spoken to a couple dealers and they told me it happens quite often.

[Cecilt]

FloridaReLoaded wrote:

Camper G wrote:
Correct, only the insurance carrier makes the coverage determination on whether a vehicle is totaled or not. It's at their option to repair or replace. A shop can write or state whatever they want, it has no bearing on the carriers decision.

Hope it works out for you and it is totaled, if that's what you want to happen. I'd not really want a new, damaged and repaired rig either. They are leak prone to begin with, let alone having one hit and then fixed.

If it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some optionsIf it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some options

Yes I had a dealer tell me that they have done that in the past, taken the damaged rig plus the insurance check and put that into another Travel Trailer. If my insurance doesn't total it, that might be the route I go so as that the whole Summer is not wasted.

Not true. If you have a lien the bank won't allow you to do this.

[trail-explorer]

how did you wreck the trailer?

Did you wreck the tow vehicle too?

[trail-explorer]

[FloridaReLoaded]

For what's it worth, I was told by two repair shops that normally if the repairs cost more than 80 percent of the current value of the trailer, they will total it. My current estimate has the repairs being around 24k when the MRSP to begin with was only 23k and I gave a lot less than that.

[FloridaReLoaded]

Camper G wrote:
Correct, only the insurance carrier makes the coverage determination on whether a vehicle is totaled or not. It's at their option to repair or replace. A shop can write or state whatever they want, it has no bearing on the carriers decision.

Hope it works out for you and it is totaled, if that's what you want to happen. I'd not really want a new, damaged and repaired rig either. They are leak prone to begin with, let alone having one hit and then fixed.

If it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some optionsIf it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some options

Yes I had a dealer tell me that they have done that in the past, taken the damaged rig plus the insurance check and put that into another Travel Trailer. If my insurance doesn't total it, that might be the route I go so as that the whole Summer is not wasted.

[STEVEO496]

For what it's worth, I owned an enclosed car trailer that my dad was using. A semi truck ran a stop sign and T-boned the trailer. The whole side of the trailer was damaged, axle bent etc. I was really hoping the insurance co would total the trailer but they didn't. We ended up taking the trailer back to the manufacturer (which has its own repair facilities). They told us the insurance companies almost never total a trailer, even if the repairs cost more than a new trailer. There was a 40 something foot gooseneck trailer on the lot that had been rolled and the insurance co wouldn't even total it. When we got our trailer back it was good as new though, no one could of ever told it had been repaired, and I never had any issues with it either. Don't know if camper trailers are handled in the same manner but that was my experience. The insurance company wanted us to get 3 quotes for repairs but we insisted on taking it directly to the manufacturer since it was their clients fault and the trailer was practically brand new at the time.

[Camper_G]

Correct, only the insurance carrier makes the coverage determination on whether a vehicle is totaled or not. It's at their option to repair or replace. A shop can write or state whatever they want, it has no bearing on the carriers decision.

Hope it works out for you and it is totaled, if that's what you want to happen. I'd not really want a new, damaged and repaired rig either. They are leak prone to begin with, let alone having one hit and then fixed.

If it's deemed repairable, You would not have to fix it if you would not want to. You could sell the damaged rig as is and then take that plus the insurance repair check and put it into another rig. Or have it repaired and then trade it in on another rig, so you have some options