Boler and Tow Vehicle Broadsided at the Hitch - Page 2 - Fiberglass RV


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Old 07-29-2016, 03:50 PM   #15
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Name: Steve
Trailer: Scamp 13
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Most likely with the paint issue they will use a color gun to match the paint color as best they can. They will paint the repair and blend as best as they can. Old is old, new is new, they will never both look the same. It's up to you if you want to pay the difference to paint the rest of the bottom.

The insurance company is responsible to make you whole not better than whole so you're not likely to get the whole bottom painted on their dime.

After you get a firm cost of repair then approach the shop to paint the rest of the bottom to match. Personally I would pay the extra. And then paint it whatever color I wanted at that time. You will always have the memory of the accident but having to look at the bruise every time you walk near your trailer is more than what I would want. The other thing is, if you sell your trailer and disclose the accident, do you want to show them the bruised face or do you want to point out how wonderful the shop repaired it. A year after the extra money is spent you'll get over it and spend happy days exploring with your trailer.
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Old 07-29-2016, 04:00 PM   #16
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In addition to the rest of the substantial structural damage, if your frame is tweaked at all, even a little, then I'd be inclined to say that it will probably be totaled. Just my 2 cents. Straightening up the frame, inspecting and fixing any deformities, warped areas, bent areas, cracks and mis-alignments, including the axle and wheels, will probably put it out of the realm of being worth fixing.
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Old 07-29-2016, 04:42 PM   #17
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Name: Birgit
Trailer: 1976 Ventura Monarch towing with RAV4 V6 2008
British Columbia
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thanks

Thanks for your comments,

I agree. I like the idea of getting the whole bottom painted and paying the difference for it, I think we'll probably go that route if we get there.

We're just holding our breath, I guess to see where the insurance company wants to draw the line,...I'll update when it happens.
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Old 07-29-2016, 05:26 PM   #18
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Name: Daniel A.
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First off all adjusters for RV claims work out of Kamloops, I made a claim and it took eight weeks before an adjuster was able to see it from the start of June till the end of July . I was told at the time that ICBC will argue everything surprisingly nothing was an issue even the shop was amazed.
Mine was the result of a break in 1600.00 in damage.

Rule of thumb for claims is 10--15% leeway for extra damage found when repairing after that its written off. Be prepared for them to argue the damage.

Next point I carry full insurance year round and just renewed for 180.00 dollars I don't see how I could go wrong and that was the reason I was covered for the break in it happened in Feb. two years ago.
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Old 05-23-2017, 03:47 PM   #19
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Name: Birgit
Trailer: 1976 Ventura Monarch towing with RAV4 V6 2008
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Update Overdue

Well, I might have to change my username now,... the Boler was written off.

We were offered a cheque for $8000, what we paid. We wished we had negotiated PST and a few other expenses,.... such a bummer, it was a beaut!

And it took SO long,... summer was long gone by the time the claim was settled. I HIGHLY recommend 'rental' coverage for if there's an accident so the whole season isn't wrecked.

Also, I should note, we had to pay TWO deductibles, one for the Boler and one for our Rav, even though we were 100% not at fault. The other driver did not respond to ICBC. WHAT??? Like that's our problem, but yeah, it is.

Lesson's learned,....

Thanks to all who responded. On to the Ventura now!
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Old 05-23-2017, 06:15 PM   #20
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Name: Francois
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didn't see this last year......

you're right about taxes !!!! It's highway robbery here in BC....it's 11% collected when the vehicle registration is transferred from one name to another....the industry (dealers) doesn't fight it as it's in their interest....makes buying from a dealer when a possible trade-in is involved look a bit more attractive (tax is calculated on new purchase price MINUS trade-in value)

a complete rip-off the government got away with after the HST debacle...that was eventually defeated...but ICBC kept the HST rate
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Old Yesterday, 12:08 AM   #21
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Name: Jan
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I have had mine for 7 weeks and made sure I fully insured it. ICBC are nothing but crooks. I sure hope we get more insurance options
Jan
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Old Yesterday, 12:30 AM   #22
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Trailer: 2009 Escape 17B '08 RAV4 SPORT V6
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Quote:
Originally Posted by Jan Dyke View Post
I have had mine for 7 weeks and made sure I fully insured it. ICBC are nothing but crooks. I sure hope we get more insurance options
Jan
You already have options. I buy my basic insurance and plate from ICBC for about $90 a year. That is basic insurance that will protect others from my mistakes.
I pay another $300 to a private insurer for guaranteed full replacement insurance. If my trailer is stolen or destroyed, they will replace my 2008 Escape 17B with the current equivalent. I am also covered for theft from the trailer, earthquake, overland flood etc.
It's not ICBC's fault that you didn't buy the insurance you needed.
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Old Yesterday, 06:22 PM   #23
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Name: Birgit
Trailer: 1976 Ventura Monarch towing with RAV4 V6 2008
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Originally Posted by Franswa View Post
you're right about taxes !!!! It's highway robbery here in BC....it's 11% collected when the vehicle registration is transferred from one name to another....the industry (dealers) doesn't fight it as it's in their interest....makes buying from a dealer when a possible trade-in is involved look a bit more attractive (tax is calculated on new purchase price MINUS trade-in value)

a complete rip-off the government got away with after the HST debacle...that was eventually defeated...but ICBC kept the HST rate
I agree, it's a rip off and anyone with insurance should remember to always work to negotiate the taxes into the settlement, why should a consumer pay tax twice to own one RV or vehicle for that matter. And the deductibles really chap me too.

My brother had told me that ICBC would write a letter or give me a form or something that I would take along so I wouldn't have to pay tax twice and I BELIEVED him because A: it sounded reasonable and B: he was not speaking second hand but from personal experience, so I really didn't worry about it or research to back up the claim.

My insurance broker looked at me like I had a hole in my head and suggested I call ICBC, Prov Gov't, etc,... I had bought it in Alberta so I couldn't insure it until I paid the tax. And, because I was obviously going to insure it again, I didn't want to be dishonest on its value to pay less either,....

ICBC was settled and there was no such form or letter and the Prov Gov't was quite convinced that I should really have to pay twice and irritated over the concept that I thought I shouldn't have to. In my view I paid taxes twice to own one trailer.

And frankly, driving to another province should be part of the negotiation too, since both RV's were purchased in Alberta, insurance is for replacement value and having gone somewhere distant ought to be included, but now I know. Hopefully, there will never be a next time. Hopefully someone reads this while they are waiting for a settlement and uses it to their advantage. Information and education are important.

The only party at "fault" here is the driver who slammed into the trailer. We came out of this incident, not at fault, minus several thousand dollars. Insurance really ought to cover one completely and one should not be at the mercy of an apparently publicly owned corporation. While informing oneself is important absolutely, I would like to see the corporation perform at a standard higher than it currently performs at. A mix between private offerings, public complaining and informed consumers helps encourage that performance, I think.
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Old Yesterday, 11:20 PM   #24
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Glenn, I have the basic ICBC the rest is BCCA. BolerBee, are you going to get another trailer?
Jan
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Old Today, 09:58 AM   #25
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Name: Birgit
Trailer: 1976 Ventura Monarch towing with RAV4 V6 2008
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Hi Jan,
Yes, got one already, but my user name is now misleading,... though I still love bolers,... got a Ventura that I'm in the process of gutting after a big winter collapse and water damage.

Paid a little too much for it, I think, $5500 (not so super shape) but we should get it back with at least a few years of fun.

b
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Old Today, 11:55 AM   #26
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Name: Francois
Trailer: Bigfoot
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ICBC....

we can all slag ICBC...but one has to remember that when it was created/legislated by the province in 1972 or 3 it is not because the politician WANTED to get into the insurance business it was because VOTERS demanded that the government address the very real failings of the industry at the time....

in absolute theory having one insurer makes a lot of sense...everybody has to have basic coverage so that there is a large pool of cash to pay all claims...again in theory ICBC should be revenue neutral and all premiums should rise and fall depending on how many accidents have to be paid out every year....no lawyers, no advertising, no duplication of effort

where ICBC has gone astray IMO is that it has become a cash cow for the government that yanks cash out of the corporation every year and puts it into general revenue....and the fact that ICBC and the Motor Vehicle Branch (registration) have been morphed into one entity it seems by the government (probably to mask the fact that it is extracting money from that area every year to spend somewhere else)

in the early 2000s a new "pro-business" government took steps to open vehicle insurance to private insurance on a limited basis (the thin edge of the wedge some say).....then Katrina happened....in all provinces that have private insurance only the premiums went up substantially when that happened....in BC premiums stayed the same....the political will to fully open car insurance to private companies quickly died off....so here we are with a mix of public and private (that never works, the public side always ends up with all the bad risks)....and the government is playing a shell game with our money....

what is really needed, again IMO, is leglislation to return ICBC to its original mandate very much at ARMS LENGTH from the politicians that come and go every few years....I'm not holding my breath

sorry for the long winded post....I grew up in an "insurance" family
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