The steps you take right after an RV accident can shorten the repair and keep hidden damage from spreading. Here’s what to do, in order.
Right away
- Check for injuries and get to a safe place.
- Photograph everything — wide shots and close-ups, before anything is moved.
- Get a police report if required, and exchange information.
- Cover any cracks, holes or open seams with tarps and tape to keep water out.
Within a day or two
- Open a claim with your insurance company.
- Choose your repair shop and send them the photos.
- Keep the RV dry and avoid using damaged slides or doors.
What causes repair delays
- Waiting to report the claim
- Missing photos of the original damage
- Water getting in before the repair
- Parts that must be ordered — the sooner the estimate, the sooner parts are ordered
How we help
We inspect and document the damage, write the estimate for your adjuster, and handle supplements if hidden damage turns up. See RV insurance claims.
Frequently asked questions
How soon should I report an RV accident?
As soon as possible — prompt reporting helps the claim move faster.
What if damage shows up later?
Hidden damage found during repair is usually handled as a supplement to the claim.
Can I use my RV before it's repaired?
Only if it’s safe and sealed against water.
Need help with this? See our RV insurance claims service, call (949) 830-1996, or request an appointment. Appointments are available Monday through Friday, and Saturday appointments begin January 1, 2027.
Have a question about your RV?
Our service advisors answer the phone — and we put the estimate in writing before any work.
