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Insurance is made to pay for your financial loss due to an accident, not to see what you can get. In this case if there were no real injuries and the camper is not repairable then the insurance company will pay you the value of the camper and you will be made whole. This means you will have no real loss financially than you were in before the accident. The insurance company have the option to repair, replace, or pay the actual cash value of the vehicle. If any other items that were not part of the camper were damaged they will be included such as televisions, computers, etc.

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Q: What can you claim in an RV accident it was the other drivers fault the Camper was totaled?
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Can you put an Insurance claim in on an already totaled auto?

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