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01-14-2019, 06:49 PM
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#1
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Senior Member
Brand: Thor Motor Coach
Model: Chateau 24F
State: Arizona
Posts: 250
THOR #2878
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It Happened....
Well, it happened to us. Our RV was parked in our driveway and a driver with a so-called medical condition, claimed to have blacked out and smashed into our motorhome. Have never had to file a claim before and we have the Hartford through AARP. I do nor know what type of insurance coverage the ,ahh, idiot has. I have full coverage myself, we are wondering about loss of use and diminished value. Has anyone else had dealings with claims at the Hartford?
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01-14-2019, 07:02 PM
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#2
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Senior Member
Brand: Thor Motor Coach
State: Georgia
Posts: 2,585
THOR #4735
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it wouldn't necessarily be 'the hartford', it would be the guilty party's insurance company paying the claim - get a policy accident report, call his/her company and start a claim - simple.
if you don't like the outcome, then contact you own company and see if they can help or intervene.
it's no different than any other auto or home insurance claim...
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01-14-2019, 07:28 PM
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#3
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Senior Member
Brand: Thor Motor Coach
Model: Citation
State: Texas
Posts: 920
THOR #8139
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Depending on your rv it might be complicated.
Class A, trailers and 5th wheels are pretty easy, take it to your rv dealer.
B C B+ and C+ maybe not so easy, a visit to the chassis (Ford mb, chev, etc) dealer might also be necessary.
Working with someone else's insurance DO NOT sign any type of release until you're 100% satisfied .
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01-14-2019, 07:30 PM
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#4
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I Think We're Lost!
Brand: Still Looking
Model: Tiffin Wayfarer 24 BW
State: New York
Posts: 22,195
THOR #8860
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If Arizona works like New York (no guarantees..): you might have a choice to make:
1. Have your insurance company pay the claim, and have them file a subrogation claim against the other person's insurance company.
2. Have the other guy's company pay the claim from the start.
If you choose "1": you'd be out your deductible for a collision claim; until your company collects from the other party.
If you choose "2": you might be in for a battle over the evaluation of the claim.
Good luck!
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"What: me worry?"
Good Sam Member 843599689
Current coach: Tiffin Wayfarer 24 BW
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01-14-2019, 09:43 PM
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#5
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Senior Member
Brand: Thor Motor Coach
Model: THOR Chateua 35SF
State: Florida
Posts: 5,850
THOR #11130
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i would notify your own insurance company but not file a claim yet unless they require it. Try to work it through his insurance company if they seem to want to play right. But, mostly follow your own insurance company's guidelines and advice.
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Now an SOB
Traded Thor for Melbourne Prestige 24NP
2018 THOR Chateau 35SF
Two Labs, Bugsie & Blondie
Blondie passed in 2020 at 5 to Leukemia
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01-14-2019, 10:51 PM
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#6
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Senior Member
Brand: Thor Motor Coach
Model: Palazzo 36.1
State: North Carolina
Posts: 349
THOR #13712
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Make sure you get and keep in your file a police report for the accident. We had a hit and run, had the report and Progressive listed it as an "at fault" accident and increased our rate until we caught them. Had to provide the copy of the report from the police where is indicated hit and run, not at fault. Got a correction, but no refund on paid premiums.
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Chuck and Mary Ann
FMCA, Good Sam Life Member and Thor MC member
Enjoy the journey, one day at a time!
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01-14-2019, 11:50 PM
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#7
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Senior Member
Brand: Thor Motor Coach
Model: Hurricane 31S
State: Texas
Posts: 4,177
THOR #6411
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Call The Hartford and file a claim or you can do it on their website (which I prefer). Here in Texas, the insurance company has four working days to file with the insurance commissioner the adjusters report or explain why the delay. Pick a repair place or ask where The Hartford recommends. Iron Horse RV (not a dealer of any brand of coach) has fixed my coach twice with in five weeks of the accidents with Thor MC supplying the required parts. Total cost $15,676. My insurance cost did not increase.
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Jim & Roy Davis
2016 Hurricane 31S
1961 Rampside in tow
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01-15-2019, 12:47 AM
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#8
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Senior Member
Brand: Thor Motor Coach
Model: Hurricane 29M
State: Texas
Posts: 2,712
THOR #11781
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In the past I have had better luck taking the subrogation route that dealing with other peoples insurance. I have had my damaged vehicles returned quicker with my insurance handling the claim and all but once received a refund on my deductible.
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Lt Keefer
2018 Hurricane 29M
CHF, Saf-T-Plus, SumoSprings
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01-15-2019, 12:50 AM
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#9
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Site Team
Brand: Thor Motor Coach
Model: ACE 27.1
State: Florida
Posts: 14,328
THOR #7035
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Quote:
Originally Posted by Lt Keefer
In the past I have had better luck taking the subrogation route that dealing with other peoples insurance. I have had my damaged vehicles returned quicker with my insurance handling the claim and all but once received a refund on my deductible.
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I would second that route as well.
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Ted & Melinda
2016 ACE 27.1
2016 Chevy Sonic Toad - Selling
2020 Chevy Colorado Z71 Trail Runner Toad
2024 Chevrolet Trax 2RS - Soon 2B TOAD
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01-15-2019, 01:10 AM
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#10
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Senior Member
Brand: DRV
Model: 44' Santa Fe
State: Montana
Posts: 392
THOR #2053
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According to your statement he really did not have a medical condition and did not actually black out. He was just an "idiot". My guess is that he wanted to make you have to deal with insurance and hopefully your rates would go up. Correct? Or am I asking the wrong "person"?
Bill
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If you are afraid to speak the truth out of fear of what others may think, it says a lot about who you are and what you will settle for.
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01-15-2019, 01:23 AM
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#11
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Site Team
Brand: Thor Motor Coach
Model: ACE 27.1
State: Florida
Posts: 14,328
THOR #7035
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Quote:
Originally Posted by Porkchop
According to your statement he really did not have a medical condition and did not actually black out. He was just an "idiot". My guess is that he wanted to make you have to deal with insurance and hopefully your rates would go up. Correct? Or am I asking the wrong "person"?
Bill
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Not sure who that is directed toward.
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Ted & Melinda
2016 ACE 27.1
2016 Chevy Sonic Toad - Selling
2020 Chevy Colorado Z71 Trail Runner Toad
2024 Chevrolet Trax 2RS - Soon 2B TOAD
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01-15-2019, 01:27 AM
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#12
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Senior Member
Brand: DRV
Model: 44' Santa Fe
State: Montana
Posts: 392
THOR #2053
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It is directed to the person that made these claims in the original post..
Bill
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If you are afraid to speak the truth out of fear of what others may think, it says a lot about who you are and what you will settle for.
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01-15-2019, 03:11 PM
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#13
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Senior Member
Brand: Thor Motor Coach
Model: Chateau 24F
State: Arizona
Posts: 250
THOR #2878
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Quote:
Originally Posted by Porkchop
According to your statement he really did not have a medical condition and did not actually black out. He was just an "idiot". My guess is that he wanted to make you have to deal with insurance and hopefully your rates would go up. Correct? Or am I asking the wrong "person"?
Bill
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He claimed to have a medical condition, but did not know what it is, but he must have, because he blacked out Those were his words, not mine. Going the second option of dealing with my insurance company and let them fight the battle. I'll be out my deductible unless they can recover it.
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01-15-2019, 03:25 PM
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#14
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I Think We're Lost!
Brand: Still Looking
Model: Tiffin Wayfarer 24 BW
State: New York
Posts: 22,195
THOR #8860
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If he does have a "medical condition": then the State should pull his license; pending a medical exam...
... If we wants to stay with that story.
__________________
"What: me worry?"
Good Sam Member 843599689
Current coach: Tiffin Wayfarer 24 BW
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01-15-2019, 03:29 PM
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#15
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Senior Member
Brand: Thor Motor Coach
Model: Chateau 24F
State: Arizona
Posts: 250
THOR #2878
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From what we have learned, 5 time convicted felon and convicted of giving false information to the police in the past. My bad for thinking my motor home was safe in the driveway on a straight stretch of road. Prior to hitting our rv he destroyed the neighbors car that was 150 feet before our rv.
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01-15-2019, 06:00 PM
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#16
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Senior Member
Brand: Thor Motor Coach
Model: Quantum RQ29
State: Ohio
Posts: 1,296
THOR #13648
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I really hate hearing that you had that happen to you. Please keep us informed of the outcome. I hope things go in your favor.
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01-15-2019, 06:40 PM
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#17
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Senior Member
Brand: Thor Motor Coach
Model: Chateau 24F
State: Arizona
Posts: 250
THOR #2878
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Thank You, I will! Waiting on the estimate from the body shop that fortunately does a lot of motorhome work. Owner came out to our house and spent 1 1/2 hours going over the entire RV. Shop is well recommended. have to wait and see. Hope the insurance company returns my call that I placed yesterday. Had trips planned but have had to cancel. Last year, when we bought the unit, we could not go anywhere because my wife had to deal with a 4th round of breast cancer. She is cancer free now and had planned on going a lot more places this spring. Hopefully it will not take too long.
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01-15-2019, 10:37 PM
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#18
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Senior Member
Brand: Thor Motor Coach
Model: SOB 2014 Meridian 36M
State: Washington
Posts: 981
THOR #7205
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I hope the body shop can get fixed and back to quickly. It would be a shame to have to cancel your plans. :/
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Pat & Becky & now Katie
Wenatchee, WA
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01-16-2019, 03:21 PM
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#19
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Senior Member
Brand: Thor Motor Coach
Model: Chateau 24F
State: Arizona
Posts: 250
THOR #2878
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Ended up having to call his insurance carrier and they would not even tell me what type of coverage he has. Though from what I gleaned from the conversation he has just the minimum. Waiting on estimate and authority to proceed with repairs. Our insurance company has only offered us a 20 dollar a day loss of use up to 600 dollars. This should get interesting
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01-17-2019, 02:14 PM
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#20
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Junior Member
Brand: Thor Motor Coach
Model: Windsport 31S
State: Pennsylvania
Posts: 17
THOR #6959
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[emoji106]
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