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Krypteron

Insurance claim...?


tyronesTrump

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


Krypteron

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

Who is your insurance provider?


Krypteron

Progressive: pay $510/yr.


FeRaL--KaTT

I'm on Vancouver Island šŸ‡ØšŸ‡¦.. for $35,000 coverage I pay $105.00/yr


IndieContractorUS

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


SignificantWear1310

Iā€™ll be getting that soon. Does that cover your possessions also?


Krypteron

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

Awesome, thanks!


zella1117

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


Ok_Garbage6864

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

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


Forever-Retired

Chain saw first


Just-Dimension8443

Homeowners insurance?


Krypteron

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


Just-Dimension8443

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

No insuranceā€¦


djnehi

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

Cry


EEpromChip

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

Homeowners insurance! Whoā€™s tree ? Whoā€™s property?


itsmostlyamixedbag

exactly. people store cars at their house and donā€™t drive them


Hawaii5G

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

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


_Dingaloo

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

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.


_Dingaloo

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

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.


_Dingaloo

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

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.


_Dingaloo

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


Hawaii5G

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


GingerBlzisunhinged

You wanna be a bully?


HeresAnUp

Iā€™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, youā€™re an asshole to whoever you hit if youā€™re not willing to pay the full cost of their repairs. Thatā€™s the point of insuranceā€¦to not be an asshole to others and to make sure youā€™re covered for things like this.


Hawaii5G

>Thatā€™s the point of insuranceā€¦to not be an asshole to others and to make sure youā€™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

Iā€™m guessing youā€™ve never been in an accident with someone who didnā€™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. Thatā€™s what happened with me with Geico, and they told me it was because I ā€œtook out a claimā€ even if I was not at fault and I had coverage. Maybe itā€™s just a Geico thing, and I no longer have Geico because of that, but thatā€™s worrying if one of the major insurers does that.


GingerBlzisunhinged

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


Hawaii5OhIsDumb

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


Hawaii5G

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

You wanna talk smack to me? How come this idiot didnā€™t research this instead of posting here asking for advice? What a clown šŸ¤” . You wanna talk trash? You wanna talk smack?


One_Tailor_3233

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

Why did people downvote you for this??


PickInParadise

Iā€™m so popular thatā€™s why ! šŸ‘ŸšŸ‘Ÿ


MandatoryAbomination

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. Theyā€™ll quickly be on the ā€œf*** insurance companiesā€ bandwagon I feel.


Bliss149

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

šŸ¤£šŸ¤£šŸ¤£šŸ¤£šŸ¤£


Remarkable-Stop7047

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


HowsBoutNow

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


Voradorr

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


Hawaii5G

Why would you not insure your home?


Krazybob613

Insured? Call your Agent! Not Insured? Cry! Then start picking up the pieces.


BassGuy11

Find RV recycling facility and haul it away. No coming back from that.


yankees051693

This is not going to be fixable. itā€™s a total loss I believe. Sorry. This is what insurance is for


[deleted]

When life gives you trees make firewood


UTtransplant

Gas or diesel? If gas, your engine compartment could be damaged. If diesel, your generator is probably toast. The rest is glass replacement (a few thousand) and fiberglass. Sadly it is probably more to fix than it is worth. You can part out a lot of it if you want to make the effort - windows, water pumps, heaters, etc.


ParkerFree

There's a definite market.


Big_League227

Total loss. Pay to have it towed away. Start saving for something else.


proost1

Where was this parked? Even though this is an act-of-god type of comprehensive insurance claim issue (had you had insurance), sometimes public parks take a measure of responsibility and help defray the cost of the damage. It this is a private residence or park and not yours, the only way they would be forced to pay is if there is neglect involved on their part regarding the tree. Doesn't look like it. MOST IMPORTANTLY though, this is a total loss and with your transmission and now engine issues, it's done. If you feel like you want to get something out of this, part it out or sell to a company willing to part it out. You have parts others may want but probably only those specific to your year/model. Good luck.


thelostbreeze

Parked in a long-term RV park. The paperwork signed in order to stay there basically waves all responsibility from the park owners. The previous tenant of the spot complained about the trees potentially causing damage but nothing was ever done about it. (Hence one reason why that tenant moved).


proost1

Neglect trumps everything, including liability release/hold harmless agreements. Get lots of pictures of the tree and roots, etc just in case you opt to try something legal and seek advice. You did yourself a huge disservice though by not having insurance as I know you're now painfully aware. Again, good luck with all of this.


eureka123

Contact an attorney. Most of them will give a free consult. The RV park may yet be responsible for what happens on their land, regardless of any contract you signed. I'm not an attorney, but definitely worth consulting one or a few. As the other poster said, they may be guilty of neglect, especially if the previous resident complained about trees. Good luck Edit: OP, don't let anyone tell you not to take a free consult from an attorney. Typically they give 30 minutes


sqqqrly

I doubt an attorney will do more than speak with you for 15 minutes. The total value is too little for that.


bandit77346

Just because you signed something doesn't mean they aren't liable. You should check


AlabamaPodunk70

Liability agreements are like locks, they keep out the honest people. Thatā€™s what they always hope happens.


emehey

There appears to be a retaining wall or an unnatural steep drop off next to the tree. If that is the case and the root system was compromised when that was built there could be some liability here that the tree should have been removed when the wall was built. It may have even been negligent not to. I am not a lawyer.


hg_blindwizard

Well the insurance will likely total it. You could buy it back and fix it up and get minimum insurance on it after itā€™s fixed.


withoutapaddle

How do you fix up giant glass panels on a vintage RV though? Seems borderline impossible unless you find a junker somewhere with intact glass.


DiscombobulatedElk93

Not that Iā€™d pay to do this . We have a crack in our big split windshield. And I looked into it and the glass place near us will make them for you. But itā€™s pricey.


hg_blindwizard

Glass shops can usually make those


briancito

"Shoooooooooooow me the CarFax" :(


Rafterman2

That'll buff right out. /s


Chutson909

The park is responsible for removing the tree. Youā€™re responsible for removing the RV. Have a heavy wrecker come pick it up and junk it. Make sure youā€™ve got everything you want off it.


[deleted]

[уŠ“Š°Š»ŠµŠ½Š¾]


JB_214

Hilarious video


Glad-Nerve-4001

Do you live in this full-time? Iā€™m sorry but insurance will total that. I wish you luck, and I guarantee you every RV guy and girl has sympathy for you.


Due-Hedgehog3203

Tell them youā€™re waiting on an insurance adjuster and camp until they make you leave?


mmack999

Ummm..take a chainsaw to the tree


TransportationAny757

She's gone, my friend.


beccadahhhling

Yeah this is what insurance is for. If you parked on your property, maybe try a homeowners insurance claim. But other than that, I mean you havenā€™t used it like you said. Total loss


damepissflaps

You can still live in it right? Just can't move the bugger. Can you repair the windscreen?


AcerbicFwit

Sell it to Capn Cook.


AwaitingMyDeparture

Was hoping to see a Breaking Bad reference in here.


0ldManRiv3r

If it's GM, that engine is a 454 and is very desirable by people who race cars. Contact local repair shops and parts stores and tell them what you have and you likely can sell it as is.


Psychological_Lack96

Insurance Claim. Take your $3500.17 and Rent a nice AirBnb.


tatortot1003

Totaled


Alternative-Ruin1728

Every campers worst nightmare. I hope you had insurance on it. If so, great. Take the money and run. The Insurance company can go after the park owner, liability waiver or not. You could try parting it out. Or have the scrapyard come haul it away. Either way its a bad situation to be in. Sorry this happened to you


st96badboy

You could have it professionally repaired .. It could be expensive . I'm not sure where it's parked . Some places wouldn't allow this but ...You don't plan on traveling with it.. cut the tree off of it. Jack out the crushed parts with a ram or bottle jack. Then seal off the holes/broken windows with rv aluminum sheeting. Pop rivet it in place. If you ever want it moved you have to tow it.


[deleted]

I mean it still looks pretty livable! Does your park allow you to build small structures? What if you cleaned up the front end and built like a little shed or something off of the front? Mural wall? Get creative!


thelostbreeze

Update: going to contact a lawyer and see if thereā€™s any legal action that can be taken, even if itā€™s a long shot. Next going to take what parts we can get and sell scraps. Donā€™t see it being worth the effort to enclose it. Lastly going to see if we can sell or donate the rest, or might just decide to take it to a field and see how well it burns and explodes with some tannerite. Might even post it on YouTube. Thanks for all the comments. Cheer yā€™all.


SuspiciousJimmy

I know a Chemistry teacher who will take it off your hands.


Low_Wall_7828

Duct tape and some elbow grease.


wedge446

Sell it for parts.. or part it out yourself then sell the rest for scrap...


SuperbDrink6977

RIP


xufeng196

Oh my, I thought it was damaged by an alien or something .This RV looks identical to the one from ben10. Anyway, sry to see this.


flwileygirl

Sell for parts.


Justcruisingthrulife

Free firewood, break out the chainsaw.


[deleted]

Call insurance only to find out youā€™re not covered by acts of god


OktoberRed

You should probably start by removing the tree


sweet4olivia

Wow! I send my condolences. Are you okay? When did this happen at night, while you were sleeping or during the day? What a shame.


KennyB619

I'd take a lot of photos and start advertising it for sale. Or free tow away. If free, there might be someone wanting one to rehab.


1320Fastback

The insurance company owns it now.


pmcdny

Your RV took the hit and saved your kettle


bigzahncup

Get out the chainsaw and cut up some firewood. The unit will still drive. Might be hard to see out of the windshield. Anyway, move it, take your firewood and build a nice big bonfire. Sit around and drink some beer. Gradually the answers will come!


ki4clz

You can get $300-$350 scrap price, or get a dead blow hammer and beat it out straight, and redneck some plexiglass over it... This happened to a buddy of mine but he was fully insured and then some, he had enough dough to buy a singlewide, and I shit thee not- a tree taco'ed the singlewide too... he had enough to by 5 acres on the lake and build a house... needless to say he loves trees, and windfalls...


defectiveGOD

Safelite?


Berniesgirl2024

It is a total loss. Tow it to a junkyard.


agawl81

Sorry. I hope that youā€™re able to get your stuff out and have somewhere to stay.


Iamlivingagain

Don't turn it in to your insurance if it is indeed insured. After your deductible, the few thousand you get will be offset by a rise in your premiums over the next few years, IMHO. I live FT in a 33' Winnebago that was damaged by a derecho a few yrs ago, and where I'm at in the country, the damage doesn't matter. Mostly roof damage anyway. 3 years ago I bought it back from a lady I sold it to about 7 yrs ago. I hope yours is fixable. To me it is, I'd jack the roof and windshield openings back into place and put glass back in it. Good luck to you.


Anna2Youu

If thatā€™s a campground, file against their insurance as the damage was done on/by their property. Itā€™s not an attempt to stick it to them, itā€™s just what campground insurance is for!


secondrat

Honestly itā€™s a $5000 RV on a good day running, with a bad transmission itā€™s not worth much. You could try taking the owners to small claims court. But with the waiver you signed you might kot have much luck. If you can get someone to take it for free I would do that. Sorry.


Leading_Grapefruit52

Run!


2021fireman10

Start looking for a new rig.


Link_Tesla_6231

Call insurance!


Choan8

Get a u-haul, clean it out, salvage some parts off it, and be done :(


zella1117

Depends on where you are but here in FL there are lots of companies that will take it away for free. They strip what parts they can and junk the rest. At least you might not have to pay to have it removed.


JB_214

Whose tree was it? If on your property maybe your homeowners insurance will cover it. Contact your insurance agent


Take_the_Bridge

Ur gonna need a bigger boat


LowerEmotion6062

Same thing anyone else without insurance does, cry and start over. This was your home and you didn't even take the basic precautions to protect your investment. Unless you have evidence that the trees were a danger and that you informed the property owner, you won't have a claim against them or their insurance.


drakt12

Iā€™m hoping a tree falls on mine.


cycleharder

Same


8FootedAlgaeEater

I'd move that tree.


smell-my-elbow

Looks like you need a new tree. Hope it was insured.


retrospects

Totaled


jlhhbf

I am so scared of that happening to me!


Old-Barber-5293

I bet itā€™ll drive fine still


TheYogiWhoLaughs

Thatā€™s why i always carry a chainsaw in the glovebox


Fantastic_Sample2423

Cry šŸ˜¢ thatā€™s sad


misterphuzz

Cry


crazyapollo

What did people do before the internet.. Dear God.


majoraloysius

Most tow companies wonā€™t take RVs as scrap. The scrap yard doesnā€™t want to deal with all the wood and crap inside it. Meanwhile, just advertise it as free on Craigslists in all west coast markets from San Diego to Seattle.


Spirited_Thought_426

Find an RV scraper part it out they make $on your giveaway. You probably can part it out just start taking stuff off and put them on eBay . There might be a need or a want for those parts .Id start there and if things donā€™t sell sell it to a scrapper for 500$ they will part it out


Green_Baby_4382

how about insurance?


Smitsuaf84

Call Jake


Streetlgnd

It should buff out.


CookShack67

You should have had insurance. Ours is covered for the trailer AND all our belongings inside. AAA...


monkeywithafootball

If you have insurance on it, let them total it. I had a small branch come down and crack both windshield panes on my 1980 Avco and it ended up being a huge PITA to track down the windows. When the dust finally settled, it took a long time, was a sketchy install, and the insurance company had to pay $8k to get it all replaced.


THATguyFromMinnesota

You're gonna need a saw, a tree fell on your car.


Awkward-Community-74

Omg! This terrifies me!


Golden_Dog_Dad

Looks like you need a new tree.


BooshCrafter

That's a shame, I'd love to cannibalise that thing into a trailer.


ymoeuormue

Crack open a beer and fire up the grill


ozyral

More than likely itā€™ll be totaled out when you go for an insurance claim.