What to do

132

14d

Insurance claim...?

tyronesTrump

14d

Only insurance you are getting on those old girls is your basics required to drive it on the roads

14d

I've got a 30 year old RV, and it has coverage for the amount of $10k if considered totaled. (Agreed amount vs Market)

So, just depends on who your insurance is?

spankymacgruder

14d

Who is your insurance provider?

14d

Progressive: pay $510/yr.

FeRaL--KaTT

14d

I'm on Vancouver Island 🇨🇦.. for $35,000 coverage I pay $105.00/yr

IndieContractorUS

14d

Insurance in Canada is generally cheaper than in the States. Or at least you get far more coverage for a similar price.

SignificantWear1310

14d

I’ll be getting that soon. Does that cover your possessions also?

13d

Yes, but I think I chose something like 2-3k worth of personal possessions. And then there is another item for RV items/tools, etc.

SignificantWear1310

13d

Awesome, thanks!

zella1117

14d

Mine is a 25 year old 5th wheel and I have coverage of $8000 if totaled.

Ok_Garbage6864

14d

Insurance agent here: Recreational Motorhomes are covered by ACV - Actual cash value, unless your company offers an endorsement for a stated value. Same way they insure most cars, unless again, it is insured for stated value. You pick your deductible. Also, they should help with cost to remove the tree.

grapefruitviolin

13d

you can set up a better insurance policy than that, especially if you are seasonal.

Forever-Retired

14d

Chain saw first

Just-Dimension8443

11d

Homeowners insurance?

11d

No, RV/Vehicle insurance. Homeowners wouldn't apply, I don't think. Unless it was added on somehow?

Just-Dimension8443

11d

No, I mean their homeowners or business insurance. Shouldn't their tree falling on your property be their problem. They should be insured. You may need to consult a lawyer. I don't think anything you signed would supercede an insurance company's obligations.

thelostbreeze

-68

14d

No insurance…

djnehi

14d

If this is on your property, it may be covered under homeowners insurance. Have seen it before where a tree limb fell on a car.

retrac902

14d

Cry

EEpromChip

14d

Has it been parked there the whole time while uninsured? Is it on your land or are you in an RV park?

I doubt there is much to salvage on it other than your possessions but it's a loss.

PickInParadise

14d

Homeowners insurance! Who’s tree ? Who’s property?

itsmostlyamixedbag

14d

exactly. people store cars at their house and don’t drive them

13d

Homeowners doesn't cover cars parked on your property. I have to carry comprehensive on the stuff I've got parked. It's about $8-12/mo per car or bus.

Precious_Angel999

14d

Why the fuck are people downvoting this? This sub is particularly vile.

14d

Just is a generally bad idea to have no insurance on any vehicle, even an RV - I mean, if you have no insurance on it but still have possession you have to declare it inoperable, don't you? OP sort of implied that it was going to be used in the future.

Accurate-Temporary76

14d

Why do you think you'd need it to be declared inoperable? What you do on your property is no one's business but your own (and government overreach).

If it were parked on the street or on someone else's property, I could understand the need to maintain insurance.

Edit: I see OP had it parked at an RV park (long-term). Probably unwise to have lapsed insurance in that case. I'd be surprised if the park didn't also require insurance.

13d

Just legally was all I meant. I agree you shouldn't need it necessarily if it's stationary and personal, but being honest, too many people would just lie and say they weren't using it when they really are

Accurate-Temporary76

13d

I was always of the understanding that if it was parked on private property, it didn't matter, same goes for registration. I imagine some states might differ on that though.

13d

There's always some kind of process, otherwise you'll get fined for late payments on the property tax or whatnot. And the property tax plus a really small liability insurance fee are the baseline requirements.

But yeah how you make the claim that it's not in use may vary

Accurate-Temporary76

13d

No there's really not. In my state you just don't renew. That's both for insurance and registration (of course you technically can't renew registration without valid insurance), there's no other process for it. Growing up my father used to keep some varying degrees of inoperable vehicles on the edge of our property. The neighboring HOA would call the cops trying to get them to fine us or tow the vehicles. The cops couldn't do anything because even though they had no insurance or registration, they were on our land and that would have constitutes a "taking" or "unlawful seizure," there were also no laws against that.

I imagine many urban areas have statutes that disallow that on residential zoned property (and only allow it on, say, a mechanic business' property), but we were out in a semi-rural area about 2-3 hours from the nearest big city.

ETA: my state (there are only about 10) does not collect personal property taxes either, so there's no fine/fee/tax for having a vehicle that was previously registered but then not formally removed from the states rosters.

13d

Probably personal property tax not being collected is the biggest part then, because the biggest fine you get is all connected back to not paying property tax on your vehicle in my state

13d

Because OP is a pinecone and didn't insure their residence. They're going to learn at this point.

GingerBlzisunhinged

13d

You wanna be a bully?

HeresAnUp

14d

I’m pretty sure if you got pulled over in it, a cop is going to ask you for insurance, license, and registration.

Besides, if you got into an at-fault accident in this RV without insurance, you’re an asshole to whoever you hit if you’re not willing to pay the full cost of their repairs.

That’s the point of insurance…to not be an asshole to others and to make sure you’re covered for things like this.

13d

That’s the point of insurance…to not be an asshole to others and to make sure you’re covered for things like this.

Insurance has nothing to do with being an asshole and everything to do with protecting your assets against unexpected loss.

My insurance covers me if someone without insurance causes damage to my property. Insurance makes me whole and tries to recover their loss from the uninsured

HeresAnUp

13d

I’m guessing you’ve never been in an accident with someone who didn’t have insurance, even if it was their fault, and even if you have coverage against uninsured drivers, they still raise your premium so you end up paying for it. That’s what happened with me with Geico, and they told me it was because I “took out a claim” even if I was not at fault and I had coverage.

Maybe it’s just a Geico thing, and I no longer have Geico because of that, but that’s worrying if one of the major insurers does that.

GingerBlzisunhinged

13d

Hawaii 5G thinks people are idiots for asking questions online. Just FYI

Hawaii5OhIsDumb

13d

I know. Hawaii 5G likes to talk smack and then throw up the block after she gets her jab in.

13d

The way insurance works is that if you make claims against your collision policy, the premium goes up. I'm very familiar with this and have paid dearly for insurance in my younger years. Claims against comprehensive are different and don't really impact your premiums, if you make too many claims they just drop you. Then you pay for SR22 for a few years.

GingerBlzisunhinged

13d

You wanna talk smack to me?

How come this idiot didn’t research this instead of posting here asking for advice? What a clown 🤡 .

You wanna talk trash? You wanna talk smack?

One_Tailor_3233

-14

14d

I typically just downvote stuff that's already being down voted, it's like a popularity contest except it's for down voted things. I know it sounds crazy but it's an honest answer and I think other people do it too, otherwise why else would 41 people down vote someone unable to afford insurance (if that's why)

Bliss149

14d

Why did people downvote you for this??

PickInParadise

14d

I’m so popular that’s why ! 👟👟

MandatoryAbomination

-6

14d

My guess is a whole lot of people who consider insurance a lifesaver. Just wait until they need to submit a claim on their rig tho. They’ll quickly be on the “f*** insurance companies” bandwagon I feel.

Bliss149

12d

Well clearly OP rolled the dice and lost in this case but seems like kicking someone when they're down. But that's reddit.

hamish1963

14d

🤣🤣🤣🤣🤣

Remarkable-Stop7047

14d

If you own the property the RV is parked on, you can try your homeowners.

HowsBoutNow

14d

Lesson learned then..sorry. Not sure what you were thinking going without

Voradorr

14d

Well, now you at least understand the value of insurance. It's a harsh lesson to learn.