Filing a claim is undoubtedly one of the more stressful events a person can go through – especially an RV owner. A motorhome owner sees their recreational vehicle as both transportation and a home, so when their RV is damaged, the process become even more taxing.
Unfortunately, there are times when an insurance claim is denied. There are many reasons why this would occur, but many RV owners do not know what can lead to their insurance denying their claim. We made a little list to help:
Poor Maintenance
You may not be aware of this, because too many RV dealers fail to educate their customers, but you are expected to perform regular maintenance to your vehicle, including oil changes, maintaining tire pressure, and checking sealant on all necessary seams throughout your coach. If you neglect to perform regular and thorough maintenance, then you will be held responsible for any resulting damage.
Consequential Damage
You will need to check your own insurance policy to find out whether consequential damage might be covered, but in most cases it’s not. Consequential damage is any damage or loss that is caused indirectly. Sometimes this kind of damage can be argued as direct, but it’s important to be aware of its implications before you count on coverage.
Lapse in RV Insurance Coverage
This is another unfortunate scenario for too many people in need of motorhome repairs—a lapse in coverage. Be sure to stay on top of your premiums and never allow your insurance coverage to lapse if you intend to continue to use your recreational vehicle.
How to Save Money after a Claim Denial
If you find yourself in a situation where your claim on your coach is denied, you will be looking at a pretty pricey repair. After all, most RV owners are already aware of how expensive a repair can be and how complex it is to fix an issue with your RV. We, at Coach Specialist of Texas, know the struggle that comes with an expensive repair; however, we have one solution that can help you save hundreds of dollars for your RV repair.
We recommend considering used parts for your repair.
We understand there is a certain stigma that comes with used or salvage parts. Will these parts work with my RV? Will my motorhome be safe using these parts?
Used parts are not a cure all for every RV repair. There are instances where a coach should only be repaired with new parts; however, with many repairs, using salvage parts will be just as effective as using new parts. For instance, replacing accessories such as awnings, air conditioners, and other appliances can be extremely expensive if you were using just new parts, but many of these items can be found used for cheap.
If you have any questions about your insurance or utilizing used parts for your coach, do not hesitate to set up an appointment with Coach Specialist of Texas. Coach Specialist is an exclusive direct repair facility for many insurance companies, which means that we are very experienced working with many insurance companies including Geico, Nationwide, and USAA, and we also know when and how to install used parts for an RV repair. We have a great relationship with many of the insurance companies, meaning we can provide quick and reliable service for you.