Seven weeks now since we were pounded by hail. Repeated calls and on-line contacts with Progressive, promises from them that someone will call back in "24 to 48 hours," and today - finally - I got to speak with a claims adjuster. My new friend Cindee is handling both the CR-V claim and the Winnebago claim. She gave me the news: "the CR-V is totaled." No big surprise there.
She apologized for the delay in response, citing the massive number of claims from Nature's wrath this summer. She also apologized for us having to deal with people when we did call who were not trained to properly handle our situation. She said, "If it has wheels or floats, I can handle the claim." Finally, someone who seems competent. And, concerned. She apologized that she needs a few more photos of both the car and the motorhome so they can finish the evaluation. She immediately sent an electronic funds transfer to cover the windshield and sunroof replacement. They need some interior photos of the CR-V to determine any salvage value.
She was quick to tell me that we have replacement value on the motorhome, and that she will definitely be working with Winnebago on the repair. If, for any reason, the repair comes to more than half the value of the motorhome, we will have the choice to repair or take a payout to buy another. She has no issue with delaying dealing with the motorhome until Winnebago has the chance to thoroughly inspect it.
I asked about timing on dealing with the CR-V... they normally give you the fair market value on the car and then arrange to have it promptly towed away. She said we can take the time we need to shop for another car... these are unusual times.
Right after hanging up with her, we went out to the Honda to get the additional photos they need. I received a text from her a couple minutes later: "Thanks - those photos are perfect." The interior of the Honda is in good shape, as is the motor and tires. We'll see what they offer for value on it.
I'll get the photos of the motorhome next time we go out to the storage unit. I am relieved that we are finally getting this all dealt with.
5 comments:
now when parking the cr-v....you don't have to worry about any Dumas dinging your doors. you can squeeze it in right up front.
hoping all the stars align for you.
cbrat Bob
Hi Bob. Yep; we generally don't take the parking place closest to the door. Around here, the smart move is to take the parking place next to the cart corral - nobody puts their carts in there, so there is little chance of getting hit by a runaway cart. ;-)
I don't know about the stars aligning... but, it sure would be nice if cars would show up on dealer lots.
Hey Cap - aside from the body damage is there anything really wrong with the CRV? I'll bet that one of your fans would buy the car for salvage if you don't. I have two friends who bought their vehicles back on salvage title and made money on doing the repair and then selling. Used car prices are huge out there.
Bob
Hi Bob. The CR-V is in fine mechanical shape, good tires, interior is nice (leather) except a slight stain on the sliding panel on the sunroof, where water came through after the hail busted through it. We are debating whether to keep it. We know it is reliable and it is set-up for dinghy towing behind the motorhome (not an inexpensive set-up). I checked the "buy my car" on Carvana and they are valuing it better than I thought, even with the hail damage. The downside: the hail dents are big, with paint cracked in a few areas. I expect we'll hear from Progressive soon regarding what they feel is a pay-out value if we turn it over to them, or what a buy-back would be if we decide to keep it. Now that we have the sunroof replaced, I'm in less of a hurry to make any decisions.
I haven't owned a beat-up car since my youth... and that was back when you could buy a $100 car that runs. ;-)
I'm just glad that we are not looking for a car these days. Our fleet is a 2016 F-150 and a 2019 Subaru Forester, so we are set for a long time (barring accidents). It is crazy out there. And you probably cannot find something that is wheels-down towable. To me that argues for fixing up the CR-V. YMMV.
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