We have a 27 ft camper that received hail damage, can I put in the insurance claim and not get it fixed?

Question

OK- just wanted to be clear, this is a question.. We've had insurance for 7 years and never have claimed anything, I am just unsure on how this works. Looking for some insight! Thanks for the informative answers!!

Answer 1

It is only fraud if you have not incurred a loss. Since your camper was damaged, it would not be fraud. The replacement value of your camper would be reduced by the amount of damage that was not repaired for any future accidents/payouts. If there is a lien on the camper, the lien holder will require you to either have the camper fixed or pay off the loan in full. Hope his was helpful.

Answer 2

no it is not fraud

it depends on your insurance contract and company

many companies are perfectly happy to pay you the claim and they don't care what you do with the money

some companies will only a percentage of the estimated cost as a cash payment (in other words, if the repair estimate was $1000 and they were willing to pay a repair company $1000, their cash settlement may be only $800) they do this because they can negotiate a lower price sometimes from the repair guy, and because they think you will take less if you just want the cash

talk to your insurance company
don't try to hide anything, be upfront
see how it works in your case

I once collected about $700 after my car was hit (the two repair estimates were higher) and then I fixed the car myself (it didn't look all that great) for about $300, then we bought a refrigerator (that was back in the day, when $300 could get a refrigerator)

good luck

Answer 3

It depends if you still have a lien/mortgage of it because the property is the guarantee on the loan. Also, some insurance companies either require you use their own repair services or a check is made out directly to the repair shop. However, if neither of these apply, then I believe you can do what you want with the check, but be aware that it will affect the resale value of the camper.

Answer 4

Depends on the insurance company and if you owe any money on the camper. Some insurance companies only give you a check made out to a repair facility. If there is a lien on the camper, the lien holder will require repairs.

Answer 5

It depends on your insurance company. Some of them will not pay you but will pay the compny that fixes the camper directly. This cuts down on this type of fraud. Others will pay you directly and you can do with the money what you want. Just remember that the claim itself will raise the cost of your insurance for this motor home.

Answer 6

Yes you can do that but if it ever hails on it again or gets damage and you try to turn another claim in on it they will want to see the receipt's from the last claim saying that you got it fixed. If you can't produce the receipt's they don't pay your new claim!!!! Get it fixed or take your chances that nothing else will happen to it.

Answer 7

Yes you can, but the insurance company can suspend the comprehensive coverage on the camper if you don't have it fixed in a "reasonable" period of time - usually three months.

Answer 8

Yes you can, but be advised you will need to disclose that when (or if) you ever sell the RV. In addition, you are likely to have lots of water issues and it is not worth risking it.

Get it fixed, but see if you can get a cheaper place to do it so you can pocket some of the money.

Answer 9

If your insurance policy includes hail damage to your camper and your claim is legitimate, it should be covered but if your claim has been rejected you have to convince their assessor that he/she is incorrect. And that's not easy.
If you plan to put in a fraudulent claim, DON'T.

Answer 10

Depends if the vehicle is paid off or not? if it is, then just say your not sure who your going to have fix it. It largely depends if you own the RV, if your still paying payments on it, and your insurance company.