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thehippie

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Posted: 09/29/18 06:43pm Link  |  Quote  |  Print  |  Notify Moderator

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?


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thehippie

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Posted: 09/29/18 06:47pm Link  |  Quote  |  Print  |  Notify Moderator

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.

Walaby

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Posted: 09/29/18 06:49pm Link  |  Quote  |  Print  |  Notify Moderator

Call your insurance company and ask them.

Mike


Im Mike Willoughby, and I approve this message.
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thehippie

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Posted: 09/29/18 06:54pm Link  |  Quote  |  Print  |  Notify Moderator

Walaby wrote:

Call your insurance company and ask them.

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

Wind River

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Posted: 09/29/18 06:59pm Link  |  Quote  |  Print  |  Notify Moderator

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


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PastorCharlie

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Posted: 09/29/18 07:30pm Link  |  Quote  |  Print  |  Notify Moderator

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

thehippie

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Posted: 09/29/18 07:30pm Link  |  Quote  |  Print  |  Notify Moderator

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.

Teamfour

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Posted: 09/29/18 07:33pm Link  |  Quote  |  Print  |  Notify Moderator

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.


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Walaby

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Posted: 09/29/18 08:34pm Link  |  Quote  |  Print  |  Notify Moderator

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

FF286

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Posted: 09/29/18 08:43pm Link  |  Quote  |  Print  |  Notify Moderator

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.

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