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Car Forum / Driving, Maintenance, Tuning / RVs / November 2005Question about Insurance for my POPUP
My van insurance covers my popup in road accidents when towed. But yesterday we had 3 tornadoes come through and I was wondering, what happens if it were to get picked up and slung into someones car or house? Who's insurance is responsible for paying damages? TIA Jeff > My van insurance covers my popup in road accidents when towed. But yesterday > we had 3 tornadoes come through and I was wondering, what happens if it were [quoted text clipped - 3 lines] > TIA > Jeff Good question. Better ask your agent. Perhaps your homeowners would cover. I don't think the popup itself would be insured unless you took out a policy on it. > > My van insurance covers my popup in road accidents when towed. But > yesterday [quoted text clipped - 10 lines] > I don't think the popup itself would be insured unless you took out a policy > on it. When my pop-up got rear-ended recently it turned out that I had to deal direct with the other guy's insurance company to get it paid for. My insurance company would not even subrogate (meaning act as the go-between like they did with the Sienna) for the trailer because it is not on my policy, so it does not exist to them, and they did not want any part of dealing with it. So, I would speculate from this that if you specifically have the trailer named in the insurance policy then you might well be covered for liability for damage that it causes to another person or their property. If not then nope. Like Rich notes, ask and then come back and tell us <grin>. Tomes > My van insurance covers my popup in road accidents when towed. But > yesterday we had 3 tornadoes come through and I was wondering, what > happens if it were to get picked up and slung into someones car or > house? Who's insurance is responsible for paying damages? I took out an additional policy on mine because the liability risk is not worth worrying about the small amount of money it costs. I don't want to be arguing with my insurance agent about whether my truck or house insurance would provide coverage. I had my insurance before I even hooked onto my trailer at the RV dealer. Not sure if insurance would cover Act of God (such as Tornado, hurricane, etc..) There are a few things to consider when pruchasing insurance for Trailers: 1- Coverage of the trailer and tow vehicle when trailer is hooked and towed 2- Coverage of the trailer and liability vs other goods in case the trailer disconnect from the tow vehicle and hits other cars ,goods (such as house, posts...) or even worst pedestrian 3- Coverage for the trailer and other goods in case something bad happens to the trailer (ie:fire, the propane tank explodes...) 4-coverage if the trailer gets stolen or vandalised Here in quebec, when we get a specialised trailer insurance, it covers for all of the above, and would also pay for Hotel\food and values of goods that were inside the trailer in case something bad happens. Mel Jeff a écrit: > My van insurance covers my popup in road accidents when towed. But yesterday > we had 3 tornadoes come through and I was wondering, what happens if it were [quoted text clipped - 3 lines] > TIA > Jeff >Not sure if insurance would cover Act of God (such as Tornado, >hurricane, etc..) >There are a few things to consider when pruchasing insurance for Trailers: I have a policy on my trailer--the same coverage as I had on my popup. It is part of my auto policy through Nationwide. It is for collision and comprehensive. It costs about $60.00 per year. >1- Coverage of the trailer and tow vehicle when trailer is hooked and towed Liability coverage extends from the auto policy to the trailer when it is being towed. >2- Coverage of the trailer and liability vs other goods in case the >trailer disconnect from the tow vehicle and hits other cars ,goods (such >as house, posts...) or even worst pedestrian Coverage for damage to the trailer is covered by the collision coverage on the trailer through my auto policy. Damage to property of others is covered by my auto policy. Injury to persons by the trailer in transit is covered by my auto liability policy. >3- Coverage for the trailer and other goods in case something bad >happens to the trailer (ie:fire, the propane tank explodes...) The trailer is covered by the coverage under the auto policy. The goods inside my trailer is covered by my homeowner's policy. >4-coverage if the trailer gets stolen or vandalised Coverage goes under the comprehensive part of the trailer coverage on my auto policy. It should also be noted that RVing is "an away from home activity." Any liability issue (such as someone tripping in the campsite) is covered by the homeowner's policy. Mark Filice 2004 Homestead Settler 255RS 1999 Chevrolet Suburban 2500 Nice post - I will be doing a better job of insuring my next trailer. Tomes > >Not sure if insurance would cover Act of God (such as Tornado, > >hurricane, etc..) [quoted text clipped - 39 lines] > 2004 Homestead Settler 255RS > 1999 Chevrolet Suburban 2500 > My van insurance covers my popup in road accidents when towed. Read the fine print. Covers for what? The only thing my van insurance covers on my trailer is liability (anything someone might sue me over), and then only while it's connected. Oh, and if it disconnects, so does the insurance. I mihgt have a case if the disconnect happened because the permanently mounted hitch came off the tow vehicle, but when was the last time you heard of that happening? It does not pay for damage to the trailer due to *anything*. I have a separate insurance policy on the trailer (same company and agent) for that. One other thing to keep in mind - insurance laws vary widely from state to state, and from country to country. Don't assume that the advice you get here applies to you, even if it is correct for the poster. Austin AustinMN a écrit: snip > I mihgt have a case if the disconnect happened because > the permanently mounted hitch came off the tow vehicle, but when was > the last time you heard of that happening? two weeks ago, here in Montreal, at rush hour, someones trailer got disconnected from the tow vehicle. The trailer trashed on the side of the road, no damage to other... but no more trailer! Mel |
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