Re: Damaged Camper and Landing Gear
Holy moly, I can't help but think you are mismanaging the whole thing.
I know that not everyone has not had the benefit of negotiating in business. It is an acquired art. But I have a business that is insurance intensive. I know how these deals are done.
I don't want to insult you, but the way it should go is that the reputable repair shop; gives a written estimate for you to give to your insurance company, it will list the obvious, and probably the bulk of the damage, the professionals will know where to look and it will be thorough.
They will tell you that the estimate is 300 or 400 or 100 whatever they tell you. but that is not in addition to your final bill. They will credit your final bill the amount of the estimate. If they find more damage than expected they will go to your insurance and ask them to open the purse because they found something else.
IF for some reason you don't let the estimating company do the repair work, they want to be paid for the estimate. If they get the work, they will credit your bill for the estimate. There will not be any out of pocket as long as you leave your rig there for the repair. But if you do decide to take it from their lot they will want the amount of the labor for the estimate.
But lets say that they get a $1000 for doing the estimate, and you get an estimate for $15,000 to repair for a total bill of $16,000.......In this case your total bill is $16000 and that is what your insurance company is going to reimburse. But more likely, it will be;
Estimate $ 1000
Damage Repair $ 15000
Sub Total $ 16000
Estimate Credit $ -1000
Total $ 15000
Like I said, I don't mean to offend, but you are walking headlong into difficulties that you are creating for yourself. You have filed a claim, your insurance company is waiting for the paperwork and you are not giving it to them. BTW you already opened a claim, they will not close it, so if you think that you keeping your rates from going up by not acting, your wrong, the claim has been made already.
What you need to do is take that rig to a REPUTABLE REPAIR FACILITY that works on Lippert Chassis. Give them your insurance company name and your claim number. Tell them to work it out with the insurance company and you will be back to pick it up when it is done.
You will either get reassurance from the repair facility that everything is OK, or you will get a list of damages to submit to your insurance company. OR they will "Total" the rig.
If you pick a reputable capable repair facility, they already know what to expect, you rig is not the first one that they have worked on with damage from being dropped or damaged in some other similar way.
I encourage you to take positive steps to have this machine repaired properly or totaled if needed.
When your insurance company sends the liable party the bill for your damages, and collects (and they will) your insurance will reimburse you for 100% of your damages other damages such as deductible and transportation expense.