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10-05-2020, 09:19 AM
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#1
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Junior Member
Join Date: Dec 2018
Location: Sylvania
Posts: 16
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Change of Plans
Luckily no one was hurt. Happened in front of Traverse City State Park, Michigan. Driver came across road and almost hit us head on. Witnesses said he was texting. Now I am dealing with insurance company! Truck was totaled, they want me to get a quote on trailer. Happened 9/15/20.
__________________
2021 Jayco Eagle 284BHOK
2021 Ford F-350 CCLB
2019 Ford F-350 CCLB (totaled)
2014 Ford F-150 Max Tow (sold)
2017 Jayco White Hawk 27RBOK(totaled)
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10-05-2020, 09:51 AM
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#2
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Senior Member
Join Date: Jul 2019
Location: Downers Grove, IL
Posts: 105
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Man, that sucks. Glad no one was hurt Hopefully you're not getting jammed up too much dealing with Michigan's no-fault insurance.
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Rod and Pam
2018 Jay Flight SLX8 212QB
2018 Durango GT V6
2013 GMC Sierra SLE 5.3
Husky Centerline TS
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10-05-2020, 09:51 AM
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#3
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Senior Member
Join Date: May 2013
Location: SE Wisconsin
Posts: 3,431
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Wow! I'm so glad to hear no one was hurt. But what a hassle now. It sounds like the driver took off?
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Chuck
2013 Jayco Jayfeather X20 E (sold)
2016 Chevy Silverado LTZ 2 Z71 Crew Cab (sold, and dearly missed)
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10-05-2020, 09:53 AM
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#4
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Senior Member
Join Date: Feb 2019
Location: Northern California
Posts: 1,996
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I won't use the language i want to describe the idiot that caused this mess!! Thankfully you folks are ok.
__________________
1984 gmc k1500 4x4 s/w/b. s/b 350,700r4,373 diff,.restored and upgraded( retired - sold). 2022 Chevy Z-71 Trail Boss 4x4 crew cab s/w/b 6.2 gas a/t. 2018 hummingbird Baja 16mrb,Yamaha ef2400ishc inverter.
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10-05-2020, 10:00 AM
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#5
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Senior Member
Join Date: Mar 2017
Location: Kingman, AZ
Posts: 1,985
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First and foremost thing I would do is get legal representation. A lawyer will make sure you are protected from the other guy's insurance company. Speaking from recent experience. The trailer looks totaled as well.
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Lee & Kathy, and our alarm clock Jake!
2017 Starcraft Autumn Ridge 266RKS 50 amp.
2017 Toyota Tundra Crewmax 4x4, 10-1-2021
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10-05-2020, 10:02 AM
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#6
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Senior Member
Join Date: May 2013
Posts: 1,588
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Very sobering to see stuff like this. It illustrates the importance of having a properly matched and set up rig for those sudden and dynamic maneuvers.
Aside from the accident and damage, that is one hell of an awesome set-up you have/had. Hopefully you can get it all back.
__________________
2013 F-150 EcoBoost MaxTow, Roush tuned (415hp 506tq), lifted on 33s, R.A.S.
2013 Jay Flight 28BHS Elite (Equalizer 10K hitch)
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10-05-2020, 10:19 AM
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#7
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Senior Member
Join Date: Oct 2017
Location: STL
Posts: 162
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glad everyone is safe. I'm not sure how the trailer isn't totaled... i would think that type of impact would break so many things loose in the trailer.
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10-05-2020, 10:21 AM
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#8
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Member
Join Date: Sep 2020
Location: Owosso
Posts: 80
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Quote:
Originally Posted by Route 66 Traveler
First and foremost thing I would do is get legal representation. A lawyer will make sure you are protected from the other guy's insurance company. Speaking from recent experience. The trailer looks totaled as well.
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We have no-fault insurance here in Michigan (dumbest concept ever). So the OP has to deal with their insurance carrier, not the other guys company.
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Joe and Mary
2015 F350 CCLB SRW 6.7PS
2018 Cougar 344MKS
2006 Jayflight 30.5 RLS (sold)
2018 Ram 1500 CCSB 5.7, 3.92 rear (lease up)
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10-05-2020, 10:24 AM
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#9
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Senior Member
Join Date: May 2013
Location: SE Wisconsin
Posts: 3,431
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Quote:
Originally Posted by jfk69
We have no-fault insurance here in Michigan (dumbest concept ever). So the OP has to deal with their insurance carrier, not the other guys company.
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I thought they just did away with no-fault in MI?
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Chuck
2013 Jayco Jayfeather X20 E (sold)
2016 Chevy Silverado LTZ 2 Z71 Crew Cab (sold, and dearly missed)
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10-05-2020, 11:04 AM
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#10
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Senior Member
Join Date: Feb 2017
Location: DFW
Posts: 2,229
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Crazy. We almost got hit head on in front of a Wyoming state park waiting to turn left. Was so bad the driver found us and came to apologize/explain. You are very lucky. Hope the financial side of this works out on the truck/trailer.
__________________
2017 Eagle HT 26.5BHS Sold
2019 Eagle 321RSTS Sold
2024 Grand Design 310GK
2024 Chevy 3500HD DRW
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10-05-2020, 11:27 AM
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#11
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Senior Member
Join Date: Mar 2017
Location: Cincinnati
Posts: 499
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Glad nobody was hurt. It was good there were witnesses to the texting, hope that gets on record? Did the other driver admit to fault or texting or?
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2016 Jayflight 27BHS
2015 Ford F-250 Super cab LB, 4x4 6.2 L gas
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10-05-2020, 11:33 AM
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#12
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Senior Member
Join Date: May 2012
Location: Minnesota
Posts: 9,780
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Man, that could have been so much worse if he had just been over another inch!
Glad everyone is OK.
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10-05-2020, 11:34 AM
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#13
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Junior Member
Join Date: Dec 2018
Location: Sylvania
Posts: 16
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So now I am dealing with my own insurance. They were fair on the truck, but they are not doing so well with the trailer. The driver was cited, he had to cross two lanes to hit me. I went over the curb to avoid a head-on. Thanks for the well wishes!
__________________
2021 Jayco Eagle 284BHOK
2021 Ford F-350 CCLB
2019 Ford F-350 CCLB (totaled)
2014 Ford F-150 Max Tow (sold)
2017 Jayco White Hawk 27RBOK(totaled)
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10-05-2020, 12:04 PM
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#14
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Senior Member
Join Date: Nov 2019
Location: Southeast USA
Posts: 190
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Glad you are all safe!
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10-05-2020, 12:20 PM
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#15
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Senior Member
Join Date: Dec 2017
Location: Nor Cal
Posts: 3,117
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Quote:
Originally Posted by Tom B
So now I am dealing with my own insurance. They were fair on the truck, but they are not doing so well with the trailer. The driver was cited, he had to cross two lanes to hit me. I went over the curb to avoid a head-on. Thanks for the well wishes!
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So sorry, but glad no one was injured. The insurance process is never fun, but you can’t replace family.
__________________
2018 JayFlight SLX 212QBW
1999 Ford F-250 Super Duty Lariat SC, 7.3L PSD, 3.73
Transfer Flow 50 gal aux; Andersen WDH; Prodigy P2
😁 "If a man says he’ll fix something, he will. There’s no need to remind him every 6 months.
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10-05-2020, 01:21 PM
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#16
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Senior Member
Join Date: Jul 2011
Location: Long Island, NY
Posts: 1,402
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Very glad no one was injured. Hopefully the insurance company will make things right.
__________________
2018 Jayco 28RLS
2012 F-250 6.2L 3.73
Equalizer Hitch
Yamaha 2400ISHC
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10-05-2020, 01:42 PM
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#17
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Senior Member
Join Date: May 2013
Posts: 1,588
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I dealt with insurance on a total loss for a travel trailer. They too tried to lowball me. Go online and find 3-5 examples of the same trailer you had, and the price they are going for in your general area/state/country. Pick the higher priced ones of course, and send the links in an email to your adjustor to show them comparable value and what cost it would be to replace what you had. That worked for me.
__________________
2013 F-150 EcoBoost MaxTow, Roush tuned (415hp 506tq), lifted on 33s, R.A.S.
2013 Jay Flight 28BHS Elite (Equalizer 10K hitch)
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10-05-2020, 02:44 PM
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#18
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Senior Member
Join Date: Feb 2019
Location: Schertz
Posts: 1,020
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Every time I start my truck and car, I go through the hassle of making sure the dash cam is running in hopes of never having to show the recordings. It's very cheap insurance. So glad you guys are safe. Material things will get replaced albeit a hassle.
__________________
2018 Ram 3500 CC Longhorn LB SRW w/timbrens
2019 Jayco Eagle 355MBQS
Pullrite 2600 Superlite
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10-05-2020, 03:07 PM
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#19
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Senior Member
Join Date: May 2013
Location: Gurnee, IL
Posts: 1,307
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Wow, I'm glad everyone was ok. By the look of it, you almost weren't. Things can be replaced, people can't.
__________________
Scott, DW, and Identical Twin DS (12)
2022 Chevrolet Silverado 1500 LTZ Crew Cab 3.0L Duramax 4WD
2019 Jayco Jay Flight SLX 298BH
2013 Jayco Jay 1206 (Sold)
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10-05-2020, 06:18 PM
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#20
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Senior Member
Join Date: Oct 2018
Location: Colorado Springs
Posts: 1,270
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Quote:
Originally Posted by SkyBound
I dealt with insurance on a total loss for a travel trailer. They too tried to lowball me. Go online and find 3-5 examples of the same trailer you had, and the price they are going for in your general area/state/country. Pick the higher priced ones of course, and send the links in an email to your adjustor to show them comparable value and what cost it would be to replace what you had. That worked for me.
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Quote:
Originally Posted by Tom B
Luckily no one was hurt. Happened in front of Traverse City State Park, Michigan. Driver came across road and almost hit us head on. Witnesses said he was texting. Now I am dealing with insurance company! Truck was totaled, they want me to get a quote on trailer. Happened 9/15/20.
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I agree with Skybound and have had similar instances with my insurance claims. Not only examples, but verify exact model and any options. Even legitimate upgrades should count. I had Correct Track added to one of my trailers, and after some Negotiating (read me arguing with them), they added that to the total. I also had a king bed option that was an "add" for my trailer that was covered.
My quote for the trailer would be "It is obviously totaled", but I know they are just doing the cheap COVID thing. They don't want to put adjusters in the field during the pandemic for fear of getting them or the insured sick. Liability is what they do. 
I also disagreed with them finding a comp in Salt Lake City and using that against me as a lower priced option. In my response, I added gas, mileage and hotel stays to drive to and retrieve that one. They dropped it as a comp.
PS Your trailer picture should be the answer to every thread asking, if the wife and kids can ride in the trailer....
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