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Topic: Front Cap Damaged, Insurance Question? (Read 1533 times) previous topic - next topic

Re: Front Cap Damaged, Insurance Question?

Reply #25 –
Update!  My Insurance Company has approved the Headlight Mod to repair my damage I caused to the Headlight! It was a Long Process, with the Insurance Company Not Willing to replace the Front Cap, at over $10K!  They said because the age of the Coach this was not an option for them!  I haven't dealt with Insurance Claims in quite a Long Time, and got a little Heated, in our discussions (OK, Downright Livid) as I have dolled out hundreds of thousands for Mandatory Premiums, in my lifetime, and get treated like crap! There was Previous Minor Damage that was done before I purchased the Coach, but it was superficial and caulking was utilized to sort of cover it up!  But the fact remained the Structural Integrity was Fully Compromised in my Accident!  They First agreed to ONLY repair the Outside Top Fiberglass, which would have been NO Outlay whatsoever, from them, as my $500.00 Deductible would have done that.  They said I would then have to negotiate the Structural part with the repair facility, THEY chose!  Trying to pull the wool over me, of course, I demanded to speak to the Adjusters Boss, at that point! We went round and round, and came to the Agreement they would replace the Lower half of the Cap, with the New Improved, Headlight Mod! That works for me, anyway! 

I have made the Appointments at NAC, and Kristen was so easy to work with!  All the Wonderful Things you folks have talked about, seems true!
Tom & Barb Root
'95, 40' U-320C SE, bought from Dave Head, 8/2017  FT Motorcade # 18196 Coach Build# 4663 October '94
2015 VW Golf Sportwagen, 1991 Suzuki Samurai, Off-Road Custom Build-Up, W/Toyota 22re mill, and a 2005 Chevy 2500HD, Duramax/Allison TOADS Will also pull a MacGregor 26X Powersailor 2001 Model, owned since new!

Retired SR Rocket Mechanic, FT Sales Associate @  FT of California, Escondido CA.!  and Retired USMC Gunnery Sergeant (Hence Retired Guns! ) Avionics Tech, on A6E Intruder & OV-10 Bronco Aircraft!  V/N Era Vet, and Desert Storm Participant.  Happily Retired now!

Re: Front Cap Damaged, Insurance Question?

Reply #26 –
Understand your frustrations. When we did the deer smack repair. GS/ National General wanted me to go somewhere in Dallas. Shoot, we had already limped in to Nac.  My defense to them was:
1. I am at the coach manufacturer.
2. They still have the end cap molds.
3. They have the paint colors needed.
4. I am 1 of 3 2012 Nimbuses made that year. Your problem is?
Apparently none. No more questions, have Foretravel send the estimate to us.
Repairs were done, we paid our part and the insurance company did theirs. We had to sign the check over to foretravel, but no problem there .

Glad things are going to work out for you.
Lynn and Linda Day and Harry the pug
RIP: Tank 01-2008 to 03-2020
2012 Nimbus 42' build 6555
ISX12-500hp
2015 Jeep Grand Cherokee
MC# 17723

Re: Front Cap Damaged, Insurance Question?

Reply #27 –
Quote from: RetiredGuns –
Update!  My Insurance Company has approved the Headlight Mod to repair my damage I caused to the Headlight! It was a Long Process, with the Insurance Company Not Willing to replace the Front Cap, at over $10K!  They said because the age of the Coach this was not an option for them!  I haven't dealt with Insurance Claims in quite a Long Time, and got a little Heated, in our discussions (OK, Downright Livid) as I have dolled out hundreds of thousands for Mandatory Premiums, in my lifetime, and get treated like crap! There was Previous Minor Damage that was done before I purchased the Coach, but it was superficial and caulking was utilized to sort of cover it up!  But the fact remained the Structural Integrity was Fully Compromised in my Accident!  They First agreed to ONLY repair the Outside Top Fiberglass, which would have been NO Outlay whatsoever, from them, as my $500.00 Deductible would have done that.  They said I would then have to negotiate the Structural part with the repair facility, THEY chose!  Trying to pull the wool over me, of course, I demanded to speak to the Adjusters Boss, at that point! We went round and round, and came to the Agreement they would replace the Lower half of the Cap, with the New Improved, Headlight Mod! That works for me, anyway! 

I have made the Appointments at NAC, and Kristen was so easy to work with!  All the Wonderful Things you folks have talked about, seems true!



This is where the WRITER at the repair facility comes in handy. He needs to write his report on what the damage was, what caused it and any underlying problems... If he is good he will make a world of difference. My WRITER at Temecula Rv wrote the summary of damage, effects and cause... insurance wouldnt pay for the piece of screw that punctured the bladder and caused a flood during a rain storm.. He really is your best friend and he should understand how the insurance companies work.

Re: Front Cap Damaged, Insurance Question?

Reply #28 –
Yup, the "Three C's" of Repair Order writing: Condition, Cause, Correction
Brett Wolfe
EX: 1993 U240
Moderator, ForeForum 2001-
Moderator Diesel RV Club 2002-
Moderator, FMCA Forum 2009-2020
Chairman FMCA Technical Advisory Committee 2011-2020

Re: Front Cap Damaged, Insurance Question?

Reply #29 –
I am terrified of deer. On SB return from Raleigh this Christmas, I saw  5 dead deer scattered on both sides of I95. Imagine the poor son of a gun who hit that herd.

I am still traumatized from (in about our first 60 days of owning the coach) when I hit an overpass bridge on a poorly executed turn. Creased two compartment doors and a wheel well. State Farm contributed $17k on that one. Signed up for driving lessons immediately after that. The $700 was well spent. Creative Coach in FL did a good job for us on the repair.
Michael Hayley; Barry Brennan
2001 U320, 36', IFS, build #5909
Buster and Shelby, (Boxers)

Re: Front Cap Damaged, Insurance Question?

Reply #30 –
Well, getting some Back Peddling, it seems?  Might have to contact my Bank who actually owns the Coach, LOL!  As I said in another post, sometimes it's good to have it Financed!  Might have to inform them, the Insurance isn't going to restore the coach Properly!  Might just let their Lawyers Duke it out!  I'll stay out of it, and get a Full Recovery of my loss, somehow!  Right now the Estimate is $4,885.00, from Extreme, and The Lackey Estimator, said that he is willing to go with about $2,200, of it!  Sorry I don't fold that easy! :) anyway, I was told by HIS Boss, last time I got Hot under the Collar with him, that he'd do the Mod!  It is Half price of the Cap Price, without Labor!

So anyway, the Bank would sure like their assets restored, back to Original, I do believe?  We shall see, in this continuing saga, what my loss will turn out to be?  Hmmmmm?
Tom & Barb Root
'95, 40' U-320C SE, bought from Dave Head, 8/2017  FT Motorcade # 18196 Coach Build# 4663 October '94
2015 VW Golf Sportwagen, 1991 Suzuki Samurai, Off-Road Custom Build-Up, W/Toyota 22re mill, and a 2005 Chevy 2500HD, Duramax/Allison TOADS Will also pull a MacGregor 26X Powersailor 2001 Model, owned since new!

Retired SR Rocket Mechanic, FT Sales Associate @  FT of California, Escondido CA.!  and Retired USMC Gunnery Sergeant (Hence Retired Guns! ) Avionics Tech, on A6E Intruder & OV-10 Bronco Aircraft!  V/N Era Vet, and Desert Storm Participant.  Happily Retired now!

Re: Front Cap Damaged, Insurance Question?

Reply #31 –
I'm no expert but it's hard I imagine the bank will care.  Never had a bank involved in any car damage claim. Truth is he real collateral for vehicle loans is the borrower IMHO.  Did someone tell you they were going to notify the bank?  I'd think what you're doing will IMPROVE the value of your rig.

My 2 cents. 
Randy (N4TDT) and Karen Crete
Sarasota, Florida
SOLD:  2000 U270 34' WTFE Build 5756 "Ole Red"