Good Sam Club Open Roads Forum: Class A Motorhomes: Road Debris Damage
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 > Road Debris Damage

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chuckbear

Florida

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Posted: 05/17/22 04:24pm Link  |  Quote  |  Print  |  Notify Moderator

Heading down I-95 through Georgia we hit a “road gator” and it damaged the exhaust and drive shaft. After much ado, we now have the rv in the shop for repairs and currently have no idea how long it will be there. My question is, should we file a claim with our insurance company since repairs are going to be big bucks? Chuck

RLS7201

Beautyful Downtown Gladstone, MO

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Posted: 05/17/22 04:31pm Link  |  Quote  |  Print  |  Notify Moderator

YES

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Mfan

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Posted: 05/17/22 05:31pm Link  |  Quote  |  Print  |  Notify Moderator

Why wouldn't you?

LouLawrence

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Posted: 05/17/22 05:37pm Link  |  Quote  |  Print  |  Notify Moderator

Yes. Unless it's not much more than the deductible!

way2roll

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Posted: 05/18/22 05:22am Link  |  Quote  |  Print  |  Notify Moderator

Yes.

Re-treads should be outlawed.


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rgatijnet1

Florida

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Posted: 05/18/22 05:38am Link  |  Quote  |  Print  |  Notify Moderator

We always had $1000 deductible so I would use it as my gauge. If the damage was $1200, I would not report it. If damage was $1500 or more, the insurance company gets a call.

RetiredRealtorRick

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Posted: 05/18/22 05:41am Link  |  Quote  |  Print  |  Notify Moderator

Isn't that why we carry insurance?

Hopefully you don't have a crazy high deductible -- take a look at your policy.


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BurbMan

Indianapolis, IN

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Posted: 05/18/22 07:39am Link  |  Quote  |  Print  |  Notify Moderator

rgatijnet1 wrote:

We always had $1000 deductible so I would use it as my gauge. If the damage was $1200, I would not report it. If damage was $1500 or more, the insurance company gets a call.


Seems like if you sneeze in a vehicle repair shop it's $1200 nowadays. I would get a ballpark estimate from the shop and proceed with similar logic as noted here based on your actual deductible.

Depending on what got damaged, ie catalytic converter, expensive driveshaft, etc., the bill may be more than you're expecting.

chuckbear

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Posted: 05/18/22 07:45am Link  |  Quote  |  Print  |  Notify Moderator

The drive shaft was seriously damaged and the rv was towed to the shop. They are only one of two anywhere near where we are that can make the repairs. So we have no choice but to have them repair it. I fully expect the repair cost to be major. The biggest problem is we don’t know how long it will take and we need to find accommodations during all this. I’m also sure the cost will be well above our deductible. Chuck

way2roll

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Posted: 05/18/22 08:04am Link  |  Quote  |  Print  |  Notify Moderator

Hopefully your insurance can provide rental car or some kind of trip interruption insurance for hotels etc while your RV is being repaired.

But yes, the insurance company should have been one of the first people you called.

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