I'm not sure how the insurance companies work?
But over the last 12 years I have had to write up at least 12 "estimate value" letters for my customers that were challenging their insurance company on what the camper was really worth.
The insurance companies were offering them a settlement at 1/2 of what the camper would sell for on craigslist any day of the week.
The insurance companies are not going to make a habit of paying out more that the truck and camper is worth.
If anything (just my opinion) they rarely pay out a fair replacement value on items that were totaled or stolen.
Even if you tell them the truck & camper are worth such & such amount, they have to show their underwriters how they are coming up with an accurate replacement value.
Example: Kelly Blue Book, Nada Guide, etc.
I don't mind paying for insurance, so i'm not an insurance hater.
I just know what I have heard and seen over the years with many many customers.
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