A system under which individuals, businesses, and other organizations or entities, in exchange for payment of a sum of money (called a premium), are guaranteed compensation for losses resulting from certain perils under specified conditions in a contract.
 

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5 Golden Tips For Hassle-free Rv Insurance Claims
By Paul Bender-12587
Some RVers go their whole RV careers without ever having a mishap costly enough to warrant an claim. In the unfortunate event that you do have to file a claim, your life will be easier - and you'll be more likely to receive the full extent of your financial compensation - if you follow these five simple tips for hassle-free claims.

1) Take Photos and Retain Receipts
Your best friend when filing a claim will be your adjuster - the person who checks up on your claim to make sure that it's legitimate. Your adjustor's best friends are the receipts and photos of your RV and the items in it that sustained damage. This need for documentation is a great reason to spring for that digital camera you've been eyeing.

The documentation habit is easy to get into - simply photocopy receipts for your RV along with receipts for significant upgrades and costly bring-alongs such as bicycles, fishing poles, binoculars, video cameras, etc. Photocopying is important - most people don't realize how quickly the ink on receipts fades. Put these photocopies into a file and keep them safe at your house. If you're a full-timer consider a safe-deposit box at your bank.

Then, in the two minutes before you leave for each trip, take your digital camera and snap photos of the outside and inside of your rig. Once you've gotten into the documentation habit for yourself, you're well on your way to hassle-free claims.

2) Take Post-Damage Photos and Retain Post-Damage Receipts
Once you're sure that everyone involved in the mishap is safe, healthy, and accounted for, it's time to get that digital camera back out and start snapping photos of the damage and the overall situation. Depending on the severity of your claim, your photos could well be what tips the scales in your favor. Be as thorough as possible without being annoying or overly insensitive to other parties involved.

On claims involving major damage to your rig, you'll have estimates and receipts for work done. Obviously you'll be saving all of these. At that point your claims adjustor will help walk you through the proper steps.

Photo documentation is especially crucial for mishaps that don't restrict your rig's mobility. Let's say, God forbid, your TV wrenches loose, flies through the air and smashes your new kitchen cabinets. Your RV's still fine to drive but if you clean up the mess and get back on the road, you're cleaning up evidence vital to your claim adjustor's work.

3) Determine the Damage Cost That Pays You to Make a Claim
Let's say your RV policy has a $500 deductible. You just had a mishap that you documented with receipts and photos (good job!) for a total of $750 in damages. Does it pay you to file a claim for that $250 you’d get after the $500 deductible?

Here's where things get tricky, because in some cases making a claim for that $250 means that your rate may go up. Talk with your agent and fellow RVers to get an idea of how much and when your rates go up to determine when it really pays you to file a claim. Once you know that amount, set that much aside for potential mishaps on the road. You could end up really thanking yourself in the future.

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