What happens if my RV is returned with damage?

When you complete the rental process, we ask that you please complete a thorough interior and exterior walkthrough with the renter. Take detailed notes and photos of all-new damage. This must be completed at the time of return. If you’re unable to meet with your renter, it must be done within 48 hours after the booking ends.

If the damage is minimal and within the amount of the renter’s security deposit, you can collect the necessary amount from the deposit. This can be done through the “Collect Fees” button under the corresponding booking on your dashboard. If you experience any issues you can reach out to Outdoorsy support via live chat (in the lower right corner of the site) or by email at [email protected].

If you know the damage exceeds the security deposit or if you are unsure of the cost, please submit a claim, and a member of our claims team would be happy to assist you with the appropriate next steps. To learn more about filing a claim, please visit  https://www.outdoorsy.com/help/how-do-i-file-a-claim.

What do I need to file the claim?

In order to file a claim for a motorized RV, you’ll need:

Pre-trip and post-trip photos

Driveable RV Departure form

Driveable RV Return form

Submitting a claim for a towable RV, you’ll need:

Pre-trip and post-trip photos

Towable RV Departure form

Towable RV Return form

Keep these forms, completed and signed, on hand, and have all photos uploaded onto the Outdoorsy app.

What happens in the event of a total loss?

While incredibly rare, having your RV totaled while it is out on a rental is certainly a concern for many owners on our platform. If you’re not sure what is owed and how it is determined, it can heighten these concerns. We hope to ease those worries with the information below!

What will I be paid?

Outdoorsy owes up to the actual cash value of your vehicle, with a maximum of $300,000. For our Canadian owners, you’ll be paid up to the actual cash value of your rig.

What is ACV, and how is it determined?

ACV stands for actual cash value. Generally, the ACV is determined by reviewing similar vehicles in your area to establish a baseline. Once a baseline is established, adjustments are made based on a number of variables, including the condition of your RV (prior to the loss), mileage, and customizations. Rest assured, all of the things that make your RV unique will be taken into account.

How does the total loss settlement work if I have a lienholder?

Once an ACV is determined, a payoff amount will need to be obtained from your lienholder. If the ACV is more than the amount owed to your lienholder, Outdoorsy will pay off your loan in full, and the leftover balance will be paid to you. If the ACV is less than the amount owed to your lienholder, Outdoorsy will pay the ACV to your lienholder, and the outstanding balance will need to be resolved between you and your lienholder. If the latter occurs, we suggest finding out if you purchased GAP insurance to cover the outstanding balance.

Can I keep my RV if it is deemed a total loss?

It depends. There are quite a few variables that go into whether or not you can keep your totaled RV. Such factors include the extent of the damage if you have a lienholder and the state in which you reside. (Note: Outdoorsy does not insure vehicles with a salvage title)

If you have any additional questions regarding total losses, please do not hesitate to reach out to our Claims Team at [email protected].