Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 14, 2012

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Insurance Question from Dimmick, IL

Asked on 02/14/2012

Recreational vehicle not Auto, I have a total loss claim on a 2002 travel trailer, the ins company is sending a check for about $8000.00. I was told that if i replace the trailer they will pay up to $25,400, there is a total loss endorsement. what no one will tell me is how long i have to purchase new trailer, and if i dont want to replace it can i negotiate a larger settlement?

Answer given on February 19, 2012

Your insurance policy should be reviewed so you can better understand how the insurance company will handle your claim on your travel trailer.Generally, a total loss is paid based on the actual cash value of the trailer at the time of a loss. If you do have a total loss endorsement, and they will pay the full replacement cost of a trailer, I recommend that you accept this option. Your insurance policy should indicate how long you have to replace the trailer, or you should talk to your agent about this. If no other option, you need to have the adjuster advise you, in writing, as to how long you have to replace the trailer.If you don’t replace the trailer, then you will be entitled to the actual cash value of the trailer. You could try to settle for a higher amount, but you will have to prove that your trailer is worth more than the $8,000. You can do this by providing written evidence of sales of similar trailers in the area. This can be in the newspaper or online, but it will need to be in the general vicinity where you live.


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