Insurance Question (and introduction)
Hello, this is my first post, but I often use this forum for help with camper issues.
I have a question about how to deal with insurance when it comes to buying back the camper if it is declared a total loss.
Here is the back story:
I frequently use my father-in-law's 2003 Jayco Eagle Summit pop up. I've added electric brakes and done some renovations, repair, and cleaning work since I like to return things in better shape than when I borrow them. That didn't work out so well recently. A few weeks ago I was in an accident coming back from Myrtle Beach. It totaled my tow vehicle and did a fair amount of damage to the camper. I thank God every day my family is all safe and well.
My FIL has insurance through State Farm on the camper and we got an estimate to repair the damage - $3,400. I am pretty sure they will declare the camper a total loss. I would however like to get the camper repaired rather than replaced. I have only ever dealt with an insurance claim once (this accident for the tow vehicle) and don't have much experience with how the process works.
If it is declared a total loss, and we take the insurance payout, do any of you know the process necessary to buy back the camper? If it's too much of a mess, I plan to just forgo the insurance and repair the camper myself (I'm more than qualified to do the repair work).
Thanks for any input on the matter.