I just had a most frustrating call with my adjuster at Aviva.
I don’t have the energy to get into all the details, but the bit that boggles me is that she STILL DOESN’T GET THAT I LIVE IN MY MOTORHOME.
I wish I had the exact quote, but it was basically, “You’re not insured for personal items in the motorhome, just things specific to the motorhome like the fridge that would be damaged in a collision.”
My response was, “WOAH.” I told her that I have the Elite policy that covers me for $15,000 in personal items in the rig and $2,500 for anything left in an exterior structure. She rattled some papers then said, well, you’re claiming $150 for the dishes and filing cabinet. With depreciation, I’ll let you have $120. Fine for that. Geeze.
But did you know that if you have a hard drive that flies across a room and lands hard enough to make skid marks as it slides across the floor your insurance company won’t believe it’s toast until a professional looks at it and makes that determination?
The reimbursement process for that is way too complicated so I am taking that amount, plus the supplemental medical coverage, plus the lost income, plus the trip back to Calgary directly to the third party’s insurance. I will be phrasing things along the lines of “I am mostly satisfied, but there is $2,000 for x, y, and z that they are giving me trouble with. I’m hoping we can resolved this amongst ourselves.” Off to make a call to Ohio. Never mind that I have work to do today.
I think you need to be asking for a supervisor again. I know that someone else caused the accident and should be responsible but this appears to be just a taste of the lack of service you would get out of your insurance company. Your “adjuster” is obviously only familiar with auto policies OR you are paying a company that does not stand by the policies you are paying for. Neither situation is good.
Let’s just say that Aviva will be getting reviewed in greater detail in the Full-Time RVing in Canada update that I’ll be doing this summer!