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 Serious Snap Trapper
Posts: 4275
  
Location: In The Snow, AZ | They are Towmax tires. I highly recommend them. 
This was supposed to be a quote for whomever asked the brand.... didn't work.
Edited by ~BINGO~ 2017-03-30 8:05 PM
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 Elite Veteran
Posts: 695
Location: Missouri | You insurance should paid to have it hauled to Lakota. My brother had a bloomer and wanted them to do repairs his insurance paid mileage to have pulled from
Tennessee to Texas |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | And back again? |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | It actually wouldn't be a good idea to have it hauled that far as we think our axle is possibly bent as well. Plus, the last thing this trailer needs is more miles on the tires. |
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Expert
Posts: 1956
Location: Ky | ~BINGO~ - 2017-03-30 7:48 PM I did tell them I needed a loner trailer while this one was out of use and they said I'm not covered for that, although we have full coverage, I had assumed that would be part. But apparently it's not. We unfortunately cannot go thru Lakota as we bought this trailer out of Alabama and do not have any Lakota dealers nearby. I have, however, been in contact with Lakota and they are more than happy to work with us, and even said we could grow thru them since we have full warranty on the trailer. Unfortunately, again, we are so far away from them. Lakota said they have all parts readily available for shipment as soon as our shop orders. The one tire is partially covered (a whole 70% of $85, lol). The rest are what they are and we will be purchasing new, probably before the trailer can get fixed even. We just want our trailer fixed and scratchless like it was before this mess. Now we are either hauling with a friend or in our little git-around trailer. Hoping this repair doesn't take forever. I'm worried it will be months before it's back on the road.
Do you have your policy to see if a replacement is excluded? If not, ask the insurance to send you a copy. I'm sure it's possible that it could have been written without that but doubtful it was.
As for sending the trailer to Lakota, they could send it on a trailer so that possibly bent axle wouldn't be an issue. Personally, I would want the builder to do the repairs. |
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Expert
Posts: 1956
Location: Ky | ~BINGO~ - 2017-03-30 8:04 PM They are Towmax tires. I highly recommend them. This was supposed to be a quote for whomever asked the brand.... didn't work.
Very good tires. They are made by Goodyear. |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | I just read through our paperwork and that does not show EXcluded, however doesn't say it's INcluded either. The agent said firmly, not included. |
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Expert
Posts: 1956
Location: Ky | ~BINGO~ - 2017-03-31 3:15 PM I just read through our paperwork and that does not show EXcluded, however doesn't say it's INcluded either. The agent said firmly, not included.
Now you're getting into contract law. Are other things included? If so, then to include is to exclude by law.
And vice versa. Are some things excluded? If so, then to exclude is to include.
Your agent could be right. But he could also be wrong.
If things are included and that's not one of them then he's right. If things are excluded and that's not one of them then he's wrong.
That's all an easy fix. If nothing is specically included or excluded then you get into a gray area. If it's ambiguous then the ambiguity is decided in favor of the accepting party. That would be the policy holder.
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | jd&ez - 2017-03-31 1:21 PM
~BINGO~ - 2017-03-31 3:15 PM I just read through our paperwork and that does not show EXcluded, however doesn't say it's INcluded either. The agent said firmly, not included.
Now you're getting into contract law. Are other things included? If so, then to include is to exclude by law.
And vice versa. Are some things excluded? If so, then to exclude is to include.
Your agent could be right. But he could also be wrong.
If things are included and that's not one of them then he's right. If things are excluded and that's not one of them then he's wrong.
That's all an easy fix. If nothing is specically included or excluded then you get into a gray area. If it's ambiguous then the ambiguity is decided in favor of the accepting party. That would be the policy holder.
So basically you're saying since it's not in or out that's it's disputable? But how would you go about that? I would love to have a loner trailer while this one is out of order. |
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 My Heart Be Happy
Posts: 9159
Location: Arkansas | ~BINGO~ - 2017-03-30 7:48 PM
I did tell them I needed a loner trailer while this one was out of use and they said I'm not covered for that, although we have full coverage, I had assumed that would be part. But apparently it's not.
We unfortunately cannot go thru Lakota as we bought this trailer out of Alabama and do not have any Lakota dealers nearby. I have, however, been in contact with Lakota and they are more than happy to work with us, and even said we could grow thru them since we have full warranty on the trailer. Unfortunately, again, we are so far away from them. Lakota said they have all parts readily available for shipment as soon as our shop orders.
The one tire is partially covered (a whole 70% of $85, lol). The rest are what they are and we will be purchasing new, probably before the trailer can get fixed even.
We just want our trailer fixed and scratchless like it was before this mess. Now we are either hauling with a friend or in our little git-around trailer. Hoping this repair doesn't take forever. I'm worried it will be months before it's back on the road.
We had hail damage and had a lot of work done to the inside of our trailer, and Sundowner had it fixed within 2 weeks. Outside work may be a lot different, but I hope not for your sake. I also hope you get all the insurance stuff resolved in your favor! |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | Chandler's Mom - 2017-03-31 6:17 PM
~BINGO~ - 2017-03-30 7:48 PM
I did tell them I needed a loner trailer while this one was out of use and they said I'm not covered for that, although we have full coverage, I had assumed that would be part. But apparently it's not.
We unfortunately cannot go thru Lakota as we bought this trailer out of Alabama and do not have any Lakota dealers nearby. I have, however, been in contact with Lakota and they are more than happy to work with us, and even said we could grow thru them since we have full warranty on the trailer. Unfortunately, again, we are so far away from them. Lakota said they have all parts readily available for shipment as soon as our shop orders.
The one tire is partially covered (a whole 70% of $85, lol). The rest are what they are and we will be purchasing new, probably before the trailer can get fixed even.
We just want our trailer fixed and scratchless like it was before this mess. Now we are either hauling with a friend or in our little git-around trailer. Hoping this repair doesn't take forever. I'm worried it will be months before it's back on the road.
We had hail damage and had a lot of work done to the inside of our trailer, and Sundowner had it fixed within 2 weeks. Outside work may be a lot different, but I hope not for your sake. I also hope you get all the insurance stuff resolved in your favor!
Thank you so much! I truly hope we can have the same experience! I know our damage is minimal compared to a lot of claims that are placed, but it is depressing to look at our trailer. It has been a great source of happiness and adventure for us.... |
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My Heart Be Happy
Posts: 9159
Location: Arkansas | ~BINGO~ - 2017-03-31 8:58 PM
Chandler's Mom - 2017-03-31 6:17 PM
~BINGO~ - 2017-03-30 7:48 PM
I did tell them I needed a loner trailer while this one was out of use and they said I'm not covered for that, although we have full coverage, I had assumed that would be part. But apparently it's not.
We unfortunately cannot go thru Lakota as we bought this trailer out of Alabama and do not have any Lakota dealers nearby. I have, however, been in contact with Lakota and they are more than happy to work with us, and even said we could grow thru them since we have full warranty on the trailer. Unfortunately, again, we are so far away from them. Lakota said they have all parts readily available for shipment as soon as our shop orders.
The one tire is partially covered (a whole 70% of $85, lol). The rest are what they are and we will be purchasing new, probably before the trailer can get fixed even.
We just want our trailer fixed and scratchless like it was before this mess. Now we are either hauling with a friend or in our little git-around trailer. Hoping this repair doesn't take forever. I'm worried it will be months before it's back on the road.
We had hail damage and had a lot of work done to the inside of our trailer, and Sundowner had it fixed within 2 weeks. Outside work may be a lot different, but I hope not for your sake. I also hope you get all the insurance stuff resolved in your favor!
Thank you so much! I truly hope we can have the same experience! I know our damage is minimal compared to a lot of claims that are placed, but it is depressing to look at our trailer. It has been a great source of happiness and adventure for us....
Our trailer was 9 years old when we got it, and I still almost cried when the first blowout we had damaged the fender pretty good. We really try to take care of our new and new-to-us things, so I totally understand how you feel! |
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Expert
Posts: 1956
Location: Ky | ~BINGO~ - 2017-03-31 6:31 PM jd&ez - 2017-03-31 1:21 PM ~BINGO~ - 2017-03-31 3:15 PM I just read through our paperwork and that does not show EXcluded, however doesn't say it's INcluded either. The agent said firmly, not included. Now you're getting into contract law. Are other things included? If so, then to include is to exclude by law.
And vice versa. Are some things excluded? If so, then to exclude is to include.
Your agent could be right. But he could also be wrong.
If things are included and that's not one of them then he's right. If things are excluded and that's not one of them then he's wrong.
That's all an easy fix. If nothing is specically included or excluded then you get into a gray area. If it's ambiguous then the ambiguity is decided in favor of the accepting party. That would be the policy holder.
So basically you're saying since it's not in or out that's it's disputable? But how would you go about that? I would love to have a loner trailer while this one is out of order.
First thing you just tell your insurance company you want a loaner. If they refuse then you ask them how to appeal that decision. They have to have an appeal process. If that's not succesful then you have to lawyer up. That becomes a risk/reward decision at that point.
You always have to make a claim as the first step. Many times just the thought that you are going to fight them will make them move.
Once this is all resolved I would look elsewhere for my insurance. I always used Grange. Never had a problem with them. But it was more about my agent than anyhthing. He will go to bat for his clients against the companies. He's been my P&C agent for over 35 years. Wouldn't think of using anyone else.
I'm an agent but I do life and health. I've patterned my business after my the way my P&C agent works. Put the customers first, not the insurance companies. |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | It all sounds great, but then if we lose, we still have to pay a lawyer and would be out even more money. Maybe I will call and just threaten it, ask about the appeal process and hope they do something. We aren't broke by any means, but id much rather not have to pay for additional expenses. And with our luck.... LOL. |
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| Wish for a hail storm to finish it off ... |
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  Fact Checker
Posts: 16575
Location: Displaced Iowegian | ~BINGO~ - 2017-04-01 9:58 PM It all sounds great, but then if we lose, we still have to pay a lawyer and would be out even more money. Maybe I will call and just threaten it, ask about the appeal process and hope they do something. We aren't broke by any means, but id much rather not have to pay for additional expenses. And with our luck.... LOL.
It usually doesn't cost anything for an original meeting with an attorney to see what your options are....then.....you can call that insurance company and say "I have consulted with my attorney and this is what I want done ........ |
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 BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | NJJ - 2017-04-02 8:47 AM
~BINGO~ - 2017-04-01 9:58 PM It all sounds great, but then if we lose, we still have to pay a lawyer and would be out even more money. Maybe I will call and just threaten it, ask about the appeal process and hope they do something. We aren't broke by any means, but id much rather not have to pay for additional expenses. And with our luck.... LOL.
It usually doesn't cost anything for an original meeting with an attorney to see what your options are....then.....you can call that insurance company and say "I have consulted with my attorney and this is what I want done ........
I agree with this. After that, a letter from your attorney might be all you need. I've had to resort to that a couple times, and that's all I needed. |
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 Worst.Housekeeper.EVER.
Location: Missouri | I am currently dealing with insurance for major hail damage to my trailer ...and house, cars, garage, barn, etc... My situation is a little different since we were a disaster area and all of the insurance companies sent out adjusters from all over the US. All of our policies are through State Farm. I feel like they treated us fairly on everything EXCEPT my trailer. And, even then it wasn't too awful.
I suspected that they wouldn't know how to deal with it, so called the manufacturer. They were super friendly and gave me an estimate over the phone. They also told me it needed to come back to them for repairs.
I wasn't sure what the adjuster would do, but at least I had an idea of cost. Sate Farm ended up sending us a check for the high estimate. However, they did not include any towing. When I called and inquired about towing compensation, they just couldn't comprehend that there was no place closer (I'm in rural MO) than the 4 hour drive. They finally agreed to pay my gas. Part of me wants to meet with my local agent and demand more money, but then I'm certain they would total my trailer and I definitely don't want that! So, I think it will work out for the best in the end.
Your insurance company cannot tell you how to fix your trailer. They will give you (or your repair facility) the money and it will be up to you how to use it. If the cost of repairs are higher than the check, you have to submit additional paperwork and receipts (hopefully your repair person will do all that for you) and they will pay the extra.
I wouldn't worry too much. It stinks when stuff like this happens. They just came and hauled away my car so I'm still a little saddened by all of it... But, I am thankful that they have been fairly easy to work with.
Edited by just4fun 2017-04-05 9:59 AM
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 Take a Picture
Posts: 12841
| You said a lot when you said STATE FARM. |
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