Ask Chuck the Insurance Expert: Will Your Policy Cover It?

April 3, 2012

Chuck Mozingo is ready to answer even the toughest insurance questions.

Dear Chuck,

I was driving through a tunnel that I thought I could clear, but instead hit the top and caused some pretty hefty damage to my RV. Am I covered?


Dear Buzz,

Surprisingly, this is a fairly common claim in the RV insurance world. There are a couple things you should do if this happens to you.

1) Pull over immediately after you’ve damaged the unit.
If you can clear the object you’ve hit, continue moving and then pull over, but if you’re stuck under it, don’t try and force out your vehicle. Instead, secure the accident scene with flares to stop others from hitting your unit until help arrives. Second, stay out of the way until it is secure, no damage is worth injuring you or your family. If it is safe to do so, gather any loose or broken debris from the road.

2) Check for height restriction signs.
If they are accurate and you misread the sign, you may be liable for the damage. However, sometimes when roads have been resurfaced or bridges/tunnels have been altered, the height sign is not updated to accurately reflect the new height. Take photos of the opening of the tunnel, road and posted signage. After you file your claim, your insurance adjuster or company will handle speaking with the local city to determine if the postings were accurate and what each party is liable for.

3) Once your vehicle is secure from the object struck, make sure you secure the damaged area with a tarp to reduce additional damage which can occur if left to the elements.
These losses are often catastrophic due to the top down forces involved, but if your vehicle can be fixed, you’ll be helping yourself and your repair facility by not allowing moisture or other elements of mother nature to get inside the trailer.

Hopefully this helps, and good luck with your claim!


Chuck Mozingo enjoys RVing with his wife, two kids and their dog Scout. They enjoy RVing locally in Cleveland, as well as heading north to Whittier Alaska to their favorite spot, Portage Glacier Campground. When RVing, Chuck can’t live without his iPod, s’mores and family thumb war tournaments. When he’s not hitting the open road, Chuck is the RV Product Manager for Progressive Insurance, where he has worked for nearly 20 years.