Good News and Bad News - Fiberglass RV


Reply
 
Thread Tools Search this Thread Display Modes
 
Old 11-01-2009, 11:43 PM   #1
Senior Member
 
Cliff's Avatar
 
Trailer: Compact Jr
Posts: 120
Good news and bad news...

The good news is, we had a wonderful time! Thank you to Carol and Jim, and everyone else who helped organized the event. I don't want to miss any names so I will leave it at that. Thank you. Saturday was a buzz with everything going on. We prepared a costume for our dogs, but between the ice cream social, dutch oven class, wine tasting, and even listened in on the solar talk, there just wasn't time to join the pet parade. ha!

Thanks Fred for weighing my trailer. I will have to work on leaving a few things home next time to get the weight down a bit. Ha, ha, must be a trailer diet.

It was nice to see a few of the older Compact trailers there this year, as I have a Compact Jr. myself, but was not finished to bring it along.

Now on to the bad news... Someone rear ended my trailer while going home through Ojai.
A 20 year old kid, just bought a $300. car a week ago, no registration, no insurance, 2010 registration tags were not legit (probably stolen). He was racing a friend around the bend, there was a car making a left turn on highway 33, past the main drag in Ojai. He swerved to avoid the car, crossed over to the other side where I was just entering a parking lot and bam! crash!


Click image for larger version

Name:	11_1_2009_12_23_11_AM_resize.jpg
Views:	183
Size:	53.5 KB
ID:	24762


No one hurt, but I was not a happy camper at that point.
Attached Thumbnails
11_1_2009_12_23_15_AM_resize.jpg  
__________________

__________________
Cliff is offline   Reply With Quote
Old 11-02-2009, 10:04 AM   #2
Moderator
 
Gina D.'s Avatar
 
Name: Gina D.
Trailer: '77 Leocraft 17 & Former Burro owner and fan!
West Coast USA
Posts: 9,016
Registry
OUCH Cliff! That bites.

I hope you can salvage something from the guy.
__________________

__________________
Gina D. is offline   Reply With Quote
Old 11-02-2009, 07:34 PM   #3
Senior Member
 
Donna D.'s Avatar
 
Name: Donna D
Trailer: Escape 5.0 TA, 2014
Oregon
Posts: 24,433
Ditto to what Gina said. Grrrrr I hope you have uninsured motor accident insurance and the repair works out.
__________________
Donna D.
Ten Forward - 2014 Escape 5.0 TA
Double Yolk - 1988 16' Scamp Deluxe
Donna D. is offline   Reply With Quote
Old 11-03-2009, 10:59 AM   #4
Member
 
Trailer: 2002 Casita 17 ft Spirit Deluxe / 2002 Ford Explorer 4X4
Posts: 56
Cliff,

Sorry about your trailer. It is a beauty and with your talent you will fix it up.

Elvin
__________________
Elvin Lowe is offline   Reply With Quote
Old 11-03-2009, 05:52 PM   #5
Senior Member
 
Cliff's Avatar
 
Trailer: Compact Jr
Posts: 120
Everyone should check your insurance policy for trailer coverage! I just got off the phone with my claims agent, and was told "uninsured motorist" does not cover a trailer attached to the primary vehicle. Which means, that I am SOL, and will have to pay for my own repairs that some non insured idiot caused. I realize I could file in small claims court, but it is such an exhaustive effort, and does not guarantee repayment.

Everyone who tows a trailer make sure you are covered for the "exclusions" in the fine print of the insurance policy.
__________________
Cliff is offline   Reply With Quote
Old 11-03-2009, 06:29 PM   #6
Senior Member
 
Robin G's Avatar
 
Trailer: 2007 Casita
Posts: 3,440
Cliff, I grew up in Ojai, ya want me to get someone to find the lil idiot and string him up from the traffic light at Ojai Ave and Signal St? Was he a minor? Cause you could go after the parents, At the very least they could get their son to do the right thing and pay you, your repair cost.




If you did file a small claims it's done out of Ventura, you don't have to go to Ojai. My Aunt used to work in the small claims office. And it was down off of 101 and Victoria, in the City and County building.
__________________
Robin G is offline   Reply With Quote
Old 11-03-2009, 10:20 PM   #7
Senior Member
 
Radar1's Avatar
 
Name: Dave (and/or John)
Trailer: Scamp 16 SD std layout 6
Georgia
Posts: 767
Registry
Quote:
Everyone should check your insurance policy for trailer coverage! I just got off the phone with my claims agent, and was told "uninsured motorist" does not cover a trailer attached to the primary vehicle.
Cliff,
You might want to check your homeowners insurance. Most homeowner policies have personal property coverage for trailers, usually limited to $1,000 for any damage caused by "perils insured against", which includes damage caused by vehicles. Better than nothing!

John
__________________
John-Dave and Marilyn
Sharpsburg, GA
04 Dodge Dakota V-8 and 17 Dodge Durango V-6
radar1-scamping.blogspot.com
Radar1 is offline   Reply With Quote
Old 11-03-2009, 10:40 PM   #8
Senior Member
 
Name: Dana
Trailer: 1973 Compact Jr
California
Posts: 540
Quote:
Everyone should check your insurance policy for trailer coverage! I just got off the phone with my claims agent, and was told "uninsured motorist" does not cover a trailer attached to the primary vehicle....
Did you also have insurance coverage for the trailer? I bought a policy for the trailer from my auto insurance agent -- it was pretty cheap, something like $23/year -- even though I doubt it covers the trailer when it is [b]not attached to the car. So that means I don't expect any coverage while in the campground, or parked at home. I got the policy primarily for liability coverage.

I guess I had better get the agent to explain to me exactly what conditions they [b]do cover. I hadn't thought about an uninsured driver.
__________________
Dana T is offline   Reply With Quote
Old 11-03-2009, 10:42 PM   #9
Senior Member
 
Name: Dana
Trailer: 1973 Compact Jr
California
Posts: 540
Cliff, do you have an idea of how significant the damage is yet? I realise you can't tell until you open it up, but I was wondering if you had done that yet.
__________________
Dana T is offline   Reply With Quote
Old 11-05-2009, 02:10 AM   #10
Senior Member
 
Cliff's Avatar
 
Trailer: Compact Jr
Posts: 120
Thumbs down

Quote:
Did you also have insurance coverage for the trailer? I bought a policy for the trailer from my auto insurance agent -- it was pretty cheap, something like $23/year -- even though I doubt it covers the trailer when it is [b]not attached to the car. So that means I don't expect any coverage while in the campground, or parked at home. I got the policy primarily for liability coverage.

I guess I had better get the agent to explain to me exactly what conditions they [b]do cover. I hadn't thought about an uninsured driver.
Dana, etal,
For my insurance carrier, I now learn that uninsured motorists only covers my trailer for liability. If my trailer damages someones property while attached liability is considered covered. It does not cover my trailer being damaged. It is only covered if I have specific additional coverage for the value of my trailer. Which means, I may be SOL getting any claims reimbursement. The case is still being researched, but my hopes have been diminished. The insurance company has given me conflicting statements. It seems the only option is small claims court, and that does not guaranteed that I will recoup anything at all, not to mention an exhaustive effort.

John H.
Good idea, and I will check.

Everyone check your insurance to make sure you understand your coverages. Don't let this happen to you when you need insurance to count when you need it.

__________________
Cliff is offline   Reply With Quote
Old 11-05-2009, 08:39 AM   #11
Senior Member
 
Trailer: Bigfoot 21 ft Rear Bed
Posts: 335
Cliff - You may want to file a police report with the CHP if it hasn't been done already. Also consider filing a DMV financial responsibility form (available online). The later does have some teeth in that it requires the other driver to show proof that you were compensated for damages or he has insurance, which is required by CA law. If the teenage driver chooses to ignore the DMV they will not renew his license.
__________________
Steve Dunkel is offline   Reply With Quote
Old 11-05-2009, 10:45 AM   #12
Moderator
 
Frederick L. Simson's Avatar
 
Name: Frederick
Trailer: Fiber Stream
California
Posts: 8,151
Registry
Send a message via AIM to Frederick L. Simson
Unhappy

Cliff
I felt your lesson about Insurance Coverage was important enough for this discussion to search-able on it's own merits. I gave it a separate topic.

While pursuing this through the court system will probably be arduous for you, that may be the only way to prevent the uninsured from getting off Scott-free.
__________________
Frederick - The Scaleman
1978 Fiber Stream 16 named "Eggstasy" & 1971 Compact Jr. named "Boomerang"
Frederick L. Simson is offline   Reply With Quote
Old 11-05-2009, 11:40 AM   #13
Senior Member
 
Vickie B.'s Avatar
 
Name: Vickie
Trailer: 1988 Perris Pacer ('Bean') / 2015 Ford F-150, 2017 Winnebago UltraLite 27BHSS
Nebraska
Posts: 1,110
Registry
Well, "sunk in a ditch"! I'm with Robin, string 'em up!!! I WILL call my insurance agent to check on mine, but, dang I am so sorry this happened to you. And this was no accident---this was a crime being committed! ARGGGGGG!
__________________
1988 Perris Pacer
2010 Honda Ridgeline
2013 Winnebago Minnie 2101FBS
Vickie B. is offline   Reply With Quote
Old 11-06-2009, 01:43 PM   #14
Member
 
Trailer: 2008 Casita Liberty
Posts: 42
"I just got off the phone with my claims agent, and was told "uninsured motorist" does not cover a trailer attached to the primary vehicle."

It should be collision. That is a no fault coverage and IF your TV has it, it should cover the trailer. So regardless of who is at fault, the collision coverage should kick in. Again, IF you have full coverage, it should be covered.

Please call the agent again. IF they are not helpful, call the State Insurance Commissioner. A call from them sometimes gets more attention than a 'customer complaint'.
__________________

__________________
genebland is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Good News -- Bad News Pete Dumbleton Towing, Hitching, Axles and Running Gear 2 11-06-2008 12:16 PM
good news Ron Wrighton General Chat 5 06-06-2007 04:34 AM
The Good News Suz Forum Admin, News & Announcements 21 11-13-2005 06:42 PM
Good News! Legacy Posts General Chat 3 04-28-2003 12:22 PM

» Upcoming Events
No events scheduled in
the next 465 days.
» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 07:53 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.