Jayco RV Owners Forum

Thread Tools Display Modes
Old 09-22-2016, 02:47 PM   #1
Junior Member
Join Date: Sep 2016
Location: Georgetown
Posts: 2
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.


jmarlowe is offline   Reply With Quote
Old 09-22-2016, 02:50 PM   #2
Senior Member
Dustdevil's Avatar
Join Date: Mar 2016
Location: Orange County
Posts: 589
Probably has more to do with the insurance company's policies than anything. Used to be on an automotive policy, you could buy it back at the insurance company's scrap value. Don't know if that is still commonly done that way, or if it would apply to a RV policy. But it would not hurt to ask after they pay the claim. Like, immediately after.

2006 Jayco Seneca 34SS
2006 Jeep Wrangler Unlimited Rubicon Toad
Dustdevil is offline   Reply With Quote
Old 09-22-2016, 04:25 PM   #3
Senior Member
Join Date: Aug 2016
Location: Denver
Posts: 1,493
Best case, you'll end up with a salvage title if they total it, which may *or* may not make it a nightmare to register the vehicle... err I mean camper again in your state. Just something to make sure you watch out for before you sign anything. Some insurance company's require that you turn over the camper. They will scrap it and recover some coin.
2016 27BHS Elite
2012 F-150 EcoBoost / Max Tow (Sold)
2017 'Blue Jeans' 6.2 F-250 Lariat 4.3 gears.
bansai is offline   Reply With Quote
Old 09-22-2016, 05:31 PM   #4
Senior Member
Join Date: Oct 2011
Location: Central California
Posts: 2,235
Simply ask the adjuster. This is a common occurance, the insurance company doesn't want that pup so they are typically very fair on their valuations.
2007 Chevy Duramax LMM/Allison
2012 Jay Flight 29QBH
2012 Jay Flight 26BH (Sold)
clubhouse is offline   Reply With Quote
Old 09-22-2016, 08:30 PM   #5
Junior Member
Join Date: Sep 2016
Location: Georgetown
Posts: 2
Thanks for the info. I hope the adjuster will make it a simple transaction. So far it sounds like he has no clue what a pup is.
jmarlowe is offline   Reply With Quote
Old 09-22-2016, 08:50 PM   #6
Senior Member
dougfir1's Avatar
Join Date: Sep 2012
Location: Selah, Washington
Posts: 131
I am sure the insurance carrier would be more than happy to leave it with you by getting an estimate from a wrecking yard as to the value of the salvage. they would just deduct that from the final adjustment amount. One consideration is the insurance carrier may be required to report the totalled vehicle to the state department of licensing. This may require you to have to get it inspected and re-titled with a salvage title issued.

2011 Jayflight 23FB G2
2003 Chevy 1500 4x4
Wife Peggy and 2 Beagles and a rescue Cocker Spaniel
2007 Yamaha Grizzly 400 ATV and Yamaha 2000 watt Genny
Me/retired insurance claims and DW/retired RN.
"If the women don't find you handsome, they should at least find you handy."-Red Green
dougfir1 is offline   Reply With Quote

insurance, loss, totaled

Thread Tools
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

» Virginia State Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -6. The time now is 11:29 PM.

Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Copyright 2002-2016 Social Knowledge, LLC All Rights Reserved.