Coast Resorts Open Roads Forum: General RVing Issues: salvage title


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teriffictom

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Posted: 07/20/23 10:43pm

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bucky wrote:

Do truck campers even have VINs?

yes it has a VIN but DMV has no record of it because its never registered with them

Tyler0215

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Posted: 07/21/23 05:34am

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Don't worry about it. The ins. co. can't issue a salvage title. The state issues titles.

teriffictom

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Posted: 07/21/23 07:24pm

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Tyler0215 wrote:

Don't worry about it. The ins. co. can't issue a salvage title. The state issues titles.

I don't think I mentioned this. My concern is if I continue to pay for full coverage and need to make a claim will the insurance deny the claim since its already been paid out on once. My insurance and the driver that hit me are the same company.

thanks again for everyone's input

bucky

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Posted: 07/22/23 03:51am

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Change insurance companies. Also as cargo wouldn't the truck camper be covered by the vehicle policy?

Puma 30RKSS

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Black Diamond, WA

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Posted: 07/22/23 09:20am

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This is a classic case of figure out your situation because we cannot possibly tell you what the definitive answer is here. Other than you profited once off of the camper being wrecked. In theory you’re double dipping by going for a second round.
Until the actual insurance agents and adjusters show up here, the rest is speculation.

And for those that think a vehicle/toy needs to have a title to be able to or required to (if one wishes to have insurance) have insurance, you may want to refrain from further replies as you’re mistaken.

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teriffictom

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Posted: 07/22/23 07:17pm

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bucky wrote:

Change insurance companies. Also as cargo wouldn't the truck camper be covered by the vehicle policy?

its very wishy washy what they will cover for campers. the insurance tried t tel me the tie downs and turn buckles were not necessary so they wouldn't cover them. That's why i had to higher an attorney. i had a letter from torklift telling me they could not be reused and would be about $3,000 to replace what was damaged.There adjusters gave them a $0 dollar value.

Even if my insurance were to consider it cargo I am certain they would not cover the $40,000 for the camper, or my rates would be sky high.

What ever the correct answers are I am fine with. I just don't like surprises later on.

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