Dometic Refrigerator Fire In Our Motorhome --- Pretty Scary!!!

[Ron]

Thank you for posting this experience and keeping us all updated.  It has provided good information from which we can all learn.  Glad it has worked out for you.

 

[Tom]

Insurance payouts are rated two ways.  "At fault" which would include a traffic crash that was determined to be YOUR fault, or negligence of some kind that resulted in damage...."Non fault / no fault" refers to so-called acts of God...

Good point Scott. My situation was clearly the at-fault variety, whereas Rolf's was not.

 

[FEman]

This thread has moved away from a refer fire and into insurance, so I'll add a note.

If you hit a deer, it is not a chargeable accident, you don't pay your deductible, and you do not get charged any points.

Now, if you swerve to miss the deer and hit a tree (or run into a ditch, etc,)  then it is a charageable accident and you pay.  So, hit the deer.

I hit an 8 point buck, did $5,000 damage to the Jeep, and it did not cost me anything.  I probably would have tried to miss the darn thing, but it came out of nowhere and I had no time to react.  Hit the deer.

 

[Wendy]

Ditto what FE man said. Mike hit a deer once and the insurance company paid even thought the deer got up and ran away.

Wendy
Pismo State Beach

 

[scottydl]

I hit an 8 point buck, did $5,000 damage to the Jeep, and it did not cost me anything.

That's because your deductible on the Comprehensive portion of your auto insurance was set at $0 (common).  It's almost always lower than Collision coverage, which is what kicks in when you swerve and crash into the ditch.  That being said, you're correct that a Comprehensive claim (no fault) is always better to have on your insurance record than a Collision claim.