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11-22-2021, 12:48 PM
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#1
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Seasoned Camper
Join Date: Sep 2016
Location: Springfield
Posts: 71
M.O.C. #19030
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Side Impact at Wheels and Slide
Help - What do I look for in terms of damage to the wheels, axles, slide, frame, etc.? Thursday last week we were leaving Branson traveling about 5 mph in traffic and a woman pulls out of a parking lot and drives directly into the side of our camper. The person was traveling maybe 10 mph, but the impact bent the hydraulic dining slide, crushed the wheel hubcaps, and cut both of my brand new Goodyear tires.
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Carol & Rick (Fur kids - Jack & Daffy)
2016 Montana 3711FL Legacy Edition
2019 Ram Laramie 3500, Crew Cab, 6.7L Cummins, 8' Bed, DRW, 20K Hitch
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11-22-2021, 12:59 PM
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#2
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Montana Fan
Join Date: Apr 2017
Location: Indio
Posts: 104
M.O.C. #19705
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First thing I'd look for is the phone number of the claims office for my insurance...then get underneath to confirm no frame damage. Then plan on 2 to 3 months of no use while trying to get repairs finished.
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Richard & Judy Blackwell
Indio, Ca.
2014 F350 DRW 4x4 Diesel
2013 3402RL
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11-22-2021, 01:21 PM
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#3
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Seasoned Camper
Join Date: Sep 2016
Location: Springfield
Posts: 71
M.O.C. #19030
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We've been in contact with the woman's insurance, she has $25K coverage and we have full coverage on our end if need be. We had to leave the camper in Branson because we had commitments at home in Spfld the next day so I'm at a loss for immediately reviewing anything. Their insurance adjuster reviewing today. Does anyone know the average rate of transport services for the midwest?
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Carol & Rick (Fur kids - Jack & Daffy)
2016 Montana 3711FL Legacy Edition
2019 Ram Laramie 3500, Crew Cab, 6.7L Cummins, 8' Bed, DRW, 20K Hitch
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11-22-2021, 01:23 PM
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#4
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Site Team
Join Date: Sep 2017
Location: Oro Valley
Posts: 4,083
M.O.C. #20477
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Rick,
It does not look very bad. A friend had a similar incident with the slide - the shop was able to pull it out fairly easily. Based on just the dented caps and cut in tires, axles damage is not likely but an alignment shop can check that out. An initial test would be having someone watch how the wheels track as you pull it slowly. The Jwrap can either be repaired or replaced - they are fairly simple to change.
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Zack and Donna plus Millie and Ranger
2018 3160RL
"Life is too short to stay indoors, enjoy the ride!"
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11-22-2021, 01:56 PM
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#5
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Seasoned Camper
Join Date: Sep 2016
Location: Springfield
Posts: 71
M.O.C. #19030
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Thanks Zack, it sounds encouraging, I just didn't know how fragile these trailers were when hit in the side. The lady couldn't have been going over 10 mph, but we did feel the jostling in the truck. I was concerned about the slide track bars, I didn't run it out because I was afraid it may get stuck while going out or coming back in.
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11-22-2021, 01:57 PM
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#6
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Montana Master
Join Date: May 2011
Location: Hixson
Posts: 3,436
M.O.C. #11397
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I would still notify my insurance in case they're needed to work with lady's insurer later. I would do it by email so I had a record of it.
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2018.5 Montana 3791RD
Full Timers 9/1/2010 through 1/16/2020.
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11-22-2021, 03:33 PM
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#7
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Montana Master
Join Date: Dec 2007
Location: Kansas City, Missouri
Posts: 2,727
M.O.C. #7992
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I hit a post in a filling station once only going about 3 miles an hour. Was able to back-up and was relieved to see only the J-wrap bent. Pulled it out, got my fuel, and hit the road. Pulled in a rest area about 50 miles from the filling station and one of the tires was already showing unusual wear. When I hit the post in the filling station it bent the j-wrap directly into the slide bracket on the end of the hydraulic ram for my slide. Bent axel. So before you settle get the alignment checked as AZ Traveler suggest.
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2006 3000RK
2009 Ram 2500
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11-22-2021, 03:48 PM
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#8
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Montana Fan
Join Date: Jan 2020
Location: Hilliards
Posts: 238
M.O.C. #25636
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If the impact was hard enough to cut your tires, it definitely was hard enough to bend your axles. I would be checking both sides because your hubcaps are crushed. The impact most likely pushed your rig sideways, and these things can only take so much of the lateral movement. Be very cautious of your axle alignment.
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2020 MHC 330RL
2021 F350 DRW 6.7 Powerstroke
Retired and Rollin'!
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11-22-2021, 08:39 PM
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#9
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Seasoned Camper
Join Date: Sep 2016
Location: Springfield
Posts: 71
M.O.C. #19030
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Thanks all for your help. Of course the shelter insurance adjuster didn't contact me back like he was supposed to today so I'll have to chase him down tomorrow. I see another trip to Branson is in my immediate future where I'll purchase and have some cheap tires mounted so that I can get my rig to Nixa, MO to have RVIncidents.com review and fix everything including new goodyear tires.
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11-23-2021, 08:46 AM
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#10
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Montana Master
Join Date: Jun 2017
Location: POINTBLANK
Posts: 1,916
M.O.C. #19944
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Make sure an Alignment is included
__________________
RAM 22' DRW 3500 Crew LB 40 gal reserve tank / RETRAX Bed Cover / 2020 373RD HC / IS / MOPEKA Tank Monitor / Furrion Side&Rear Cameras
Slide Toppers / EMS-HW50C / Sailun 85's
3rd AC / Dometic 320
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11-28-2021, 07:00 PM
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#11
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Montana Fan
Join Date: Jun 2020
Location: Liberty Hill
Posts: 139
M.O.C. #26548
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I know you've already said this to yourself, but how the heck did she miss seeing a travel trailer. Talk about having ones head where the sun don't shine. Good grief !!!!
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11-28-2021, 07:11 PM
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#12
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Montana Master
Join Date: Dec 2009
Location: Sebring
Posts: 3,669
M.O.C. #9969
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Really easy when one is texting on their phone.
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Michelle & Ann
2018 Chevy 3500HD High Country DRW 4X4 Crew Cab w/Duramax/Allison, Formally 2010 Montana 2955RL, Now Loaded 2016 SOB, Mor/ryde IS, Disc Brakes & Pin Box, Comfort Ride Hitch, Sailun 17.5 Tires.
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11-28-2021, 08:34 PM
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#13
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Seasoned Camper
Join Date: Nov 2020
Location: Akron, OH 44305
Posts: 51
M.O.C. #27487
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Quote:
Originally Posted by Rick G
We've been in contact with the woman's insurance, she has $25K coverage and we have full coverage on our end if need be
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I want to know how she can only have $25k in coverage. That whole statement is outrageous. And it's not just her. This is a complete scam that allows insurers an out to fixing the damage their clients caused. Bad drivers aren't held liable, and apparently neither is the insurance company! This accident shouldn't have cost you a penny. I know we won't solve this issue in this forum, but it's still maddening and I'm sorry you've become their latest victim. Sure hope all turns out well for you. Sorry about my rant, that crap just riles me up!
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11-28-2021, 08:52 PM
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#14
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Montana Master
Join Date: Jul 2004
Location: Manhattan
Posts: 1,144
M.O.C. #1846
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Before taking it anywhere check the spring hangers and make sure they are not bent. That kind of impact could very well have bent, or broken one or more of them. Also look for frame damage. Need to have someone familiar with RVs and trailers do the insurance walk around - a lot different than automobile damage assessments.
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11-29-2021, 01:04 AM
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#15
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Montana Fan
Join Date: Sep 2016
Location: Fargo
Posts: 224
M.O.C. #19032
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Quote:
Originally Posted by LERD
I want to know how she can only have $25k in coverage. That whole statement is outrageous. And it's not just her. This is a complete scam that allows insurers an out to fixing the damage their clients caused. Bad drivers aren't held liable, and apparently neither is the insurance company! This accident shouldn't have cost you a penny. I know we won't solve this issue in this forum, but it's still maddening and I'm sorry you've become their latest victim. Sure hope all turns out well for you. Sorry about my rant, that crap just riles me up!
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Agreed, but I think it is the state she is in that sets the minimums. I didn’t know there were any under 100K.
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11-29-2021, 08:48 AM
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#16
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Site Team
Join Date: Sep 2017
Location: Oro Valley
Posts: 4,083
M.O.C. #20477
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Quote:
Originally Posted by Mark7
Agreed, but I think it is the state she is in that sets the minimums. I didn’t know there were any under 100K.
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I believe $25K is a fairly typical minimum coverage for property damage. Injury or death coverage is typically higher. I believe a high percentage of drivers carry coverage in excess of minimums.
__________________
Zack and Donna plus Millie and Ranger
2018 3160RL
"Life is too short to stay indoors, enjoy the ride!"
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11-29-2021, 10:04 AM
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#17
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Montana Master
Join Date: Oct 2006
Location: McKinney
Posts: 7,361
M.O.C. #6433
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It really doesn’t take much of an impact to bend brackets, supports, bolts, and other metal components. I would make sure a competent service tech checked all support brackets, springs and components, wheels, hubs, spindles, and axles for any deflection. An adjuster may not be skilled enough to identify any and all potential problems.
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Bill & Patricia
Riley, our Golden
2007 3075RL (recently sold, currently without)
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11-29-2021, 12:00 PM
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#18
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Montana Master
Join Date: Aug 2020
Location: Keller
Posts: 525
M.O.C. #26851
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As another has suggested, you definitely need to notify your insurance company. They can cover anything the other driver’s insurance won’t. Plus your insurance company will go after her to cover those damages not covered by her insurance. You don’t have to do that, your insurance company should . Also, keep track of you mileage that you travel when trying to take care of your trailer claim, and any other expenses directly related to the repair of your trailer. You can submit it to her insurance for reimbursement. Make sure repairs are done by qualified people. You do not have to have any repairs done by anyone but who you choose. Stay on top of it and document everything in writing, including telephone conversations. Follow up the conversation with an email confirming what was discussed. Good luck and hope you can get some quick repairs.
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11-30-2021, 06:06 AM
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#19
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Montana Master
Join Date: Oct 2017
Location: Bastrop
Posts: 2,892
M.O.C. #20753
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check hangers on BOTH sides and suspension.
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Mocha, one-eyed toothless, hurricane survivor, Pirate dog
2019 20th Anniversary Edition 3701LK
B&W 20K for Ford OEM Puck
2018 Ford F-350 Lariat CCLB PSD DRW KJ5CQH
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11-30-2021, 06:48 AM
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#20
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Seasoned Camper
Join Date: Aug 2021
Location: Florence
Posts: 82
M.O.C. #29530
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Quote:
Originally Posted by LERD
I want to know how she can only have $25k in coverage.
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Each state sets it's own minimum comverage. In Texas where I live now is $30,000, whilst in CA (where i used to live) the minimum is $15,000.
Obviously, most people have 'more than' the minimum.. And i'm thinking especially owners of 3/4 ton trucks or larger.
jm2¢
Ron-
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[2018 Ford F250 SuperDuty w/6.7ltr - B&W Patriot 18K - 2021 Montana 3231CK
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