Glad everyone was ok! Looks like a terrifying crash. I’m not sure if this story will help you as much since it sounds like a hit and run, and you don’t know the other party’s insurance. It sounds like my story could be useful to some of the other posters in this thread though. Feel free reach out with additional questions. Again, glad everyone was ok, that is the most important thing!
I was also involved in a crash, less than a month after getting my (first) GFC. I was hit by a drunk driver on the highway, and he slammed us into the barrier, sending the GFC off the truck and off of the overpass we were on. They were able to fish it out with a tow truck haha. Everyone was ok (bruises, scratches, seatbelt burn).
I had specifically called and added my GFC to my USAA auto insurance policy as a camper about two weeks earlier. I asked the rep about 5 times if it would be insured for FULL value if anything were to happen. I never called it a “topper”, always a “camper” worth $8000. She assured me it was, and that my premium would not increase. And then, of course, when time came to file a claim, they offered me $500 for my “topper”. They claimed they would never insure something like that for full value, only “value added to the vehicle”, which they deemed to be $500. I fought them pretty hard, even had them review the audio recording of when I called to insure the GFC. They didn’t change their mind.
Anyways, I told USAA to kick rocks, and started pursuing the drunk driver’s insurance, AllState. It took about 6 weeks, and over 50 phone calls, but eventually they got tired of hearing from me and cut me a check for my new GFC, full replacement cost.
Moral of the story, I would double check when they insure your camper as a “topper” for no increase to your premium. That’s what I did and it didn’t help much when it came time to use it. It will probably be different for different insurance providers, but worth a double check. Hope this helps!
P.S. 4 months later, I just picked up my new GFC last weekend, and drove around Montana camping and fly fishing with my dad. Happy ending!