Joel, when we were stuck along side the road the road service guy said that there was a pretty good ding in the exhaust pipe. I asked him if that is what caused the pipe to fall off the muffler. He replied that he really didn't know but said it was a crappy job that they had done putting the exhaust pipe on because it only overlapped by 3/8s of an inch. He pointed behind us and the shoulder dropped off and there were a few large rocks around on the shoulders. He shrugged his shoulders. If the RV dealer had claimed that the heat damage was caused by me hitting something and knocking the muffler off thus causing the damage, I would have claimed the damage under my collision policy. I really think that the muffler fell off, caused the damage and when I pulled off the road the pipe, which was hanging lower than normal hit something. But the ding gave me another route just in case. Make sense? luckily the RV guy agreed that the damage was caused first by the pipe falling off. What came first? The Chicken or the egg?