Understanding RV Insurance Claims: What to Expect, How to File, and Other Tips
Experiencing an accident or otherwise suffering damage to your RV can be stressful. The last thing you need is additional stress caused by not understanding the claims process. Filing a claim can feel daunting, but we’re going to go through it all here, so you’ll know just what to expect if and when the time comes to do so.
Maximizing the Success of Your Next RV Claim
Don’t wait for an accident to happen to get prepared. You can set yourself up for success with your claim by reviewing your policy regularly to make sure you know what’s covered and what isn’t. If you feel you need clarification on something, reach out to your insurer.
Documenting the Scene
When an incident occurs, safety should be your number one priority. Once that is secured, it’s time to document the scene thoroughly. Take photos of the damage to your RV, the surrounding area, and any other vehicles or objects that were involved. These images will be important when you file your claim. You’ll want to take detailed notes of the damage as well.
Filing Your Claim
The claims process begins the moment you contact your insurer. You can choose to file your claim online or over the phone with the claims center. You’ll be asked for some basic information, then a claims representative specially trained in handling RV and travel trailer insurance claims will explain everything your policy covers and how your coverages apply to your damages. Your claims representative will continue to be your main point of contact and will guide you throughout the process.
Getting an Inspection and an Estimate
Your representative will put you in touch with an estimator so that you can get an inspection scheduled—most likely at a repair shop. They will then review the estimate with you so that you understand how much repairs cost and what you may have to pay.
In some cases, given the extent of the damage to the RV, it may be determined that repairing the vehicle isn't practical. This would mean that the RV is considered a total loss. If this is the case, you will then sign over your vehicle to your insurer in exchange for payment. The payment will depend on what coverage you selected. Have your title and proof of insurance documents handy on the day of the sign-over.
Scheduling Your Repairs
Your insurer may have established relationships with specific repair shops that they recommend or they may work with a repair shop of your choosing. Should you decide not to get repairs, you’ll receive a check for the estimate amount, minus your applicable deductible. If you finance your vehicle, your lender may require you to complete the repairs.
Getting Your RV Repaired
If your vehicle is undrivable, your insurer should help you tow it to a repair shop. On the other hand, if it’s drivable, you can simply drop it off during your scheduled time. Your insurer will manage the repairs from beginning to end, while keeping you updated. If additional damage is discovered, your estimate will be revised so that you get the repairs you require. Once repairs are complete, you're free to pick up your RV and hit the road.
Understanding Common Challenges
When filing an RV claim, there are a few challenges to be aware of. One of these is underinsurance. If you don't have proper insurance for your RV, you could incur significant out-of-pocket expenses following an incident. Make sure your policy covers more than just the basics and reflects risks associated with your location, lifestyle, and RV value.
Another thing many people find challenging is the waiting time for claim approvals and repairs. If the damage is extensive or specialized parts need to be ordered, that process can take longer than desired. Just try to remain patient and check in regularly with your repair shop and insurer.
Closing Thoughts
Filing an RV insurance claim can feel overwhelming, but it doesn’t have to be. You can ease your own stress by preparing ahead of time, maintaining clear communication with your insurer, documenting the damage thoroughly, and staying familiar with your policy.
Properly maintaining your RV to reduce the chances of preventable claims will help you in the long run as well. Now that you know how to handle an insurance claim, you’ll be ready if you hit unexpected bumps in the road on any of your adventures.
