Bent Frame Insurance worth messing with?

[Birdman_2000]

Just did a trip down to Florida with some friends. Was an eventful journey for us. We left with a 6x16 tandem cargo trailer that was old and rather beat up. It was for sure overloaded. Pulled OK till it didn't. We snapped an axle and before I could get it over to the side it beat it up pretty good. We had been talking about getting a bigger trailer and going in on it together. So instead of trying to unload and figure out how to fix the old thing we just scrapped it. Ran down to a trailer shop and grabbed an 8 1/2 x 20 enclosed car hauler with 5200lb axles. Pulled like a dream for the rest of the trip down. Didn't really squat my truck at all. We only had the stuff from the little trailer and we spread the load. Fast forward to the return trip and the problem. I hit a bad section of road coming through Atlanta at night. whole rig bounced pretty good. About an hour down the road I stopped to get gas and noticed the gap of the bed was bigger at the top. Instantly regretted not swinging into an RV place and getting a Weight distro hitch. Honestly didn't think we were that heavy though. I knew i had a bit more tongue weight with the bigger trailer, but we spread the load mostly over the wheels. I normally pull a toy hauler that is roughly 800lb of tongue weight. Either way now it needs fixed. I am just not sure if it's worth dealing with State Farm.

Question - Has anyone had something like this where they hit bad road and turned something like this into insurance to fix it?

Truck setup
2019 1500 Hemi no E-torque with 3.92 gears, 5'7" bed
Timber grove air bags
Sticker and Camper I have pulled for years in pictures

 

[Birdman_2000]

Irony is I was planning to trade up to a 2500 later this year. Most the trailers back on the family farm are gooseneck and I always have to go grab a farm truck to use them. Now I am wondering if I should swap brands away from dodge. Is this a common issue on all Rams?

 

[fulbuyer]

I've had this happen also, I ended up taking it to a frame shop and they fix it fairly inexpensively. I didn't want to use State Farm either.

 

[Bt10]

Yeah any body shop should be able to pull it straight, but I would be very tempted to add metal on the rails. I have had to do that to a small tractor as well. I would stay within the sticker weights too.

 

[Trooper4]

Equalizer would have been a good move.
BTW, I have a goose neck hitch in mine. B&W turnover ball hitch.