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Old 02-22-2013, 01:16 PM   #1
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Exempt RV laws in lawsuit

We are new fulltimers and determining our domicile state. Many years ago I had heard that certain states have exempt status for your RV, if it is your residence, incase you were the cause of an accident and became a lawsuit. I have searched and searched but can not come up with the exact wording or how to find out which states, basically, won't take away my RV if I am the cause of an accident (and get sued). Any terms or information that I should look under in each state? or if you know which states protect me.
Thank you,
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Old 02-22-2013, 01:22 PM   #2
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I know with stick & brick you can homested..
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Old 02-22-2013, 01:26 PM   #3
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You might Google "homestead laws recreational vehicles" and see if any of the topics apply.

By the way,


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Old 02-22-2013, 01:27 PM   #4
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Here is some information
Think your RV is your "home"? Think again.
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Old 02-22-2013, 07:54 PM   #5
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Welcome to IRV2...
Protection under Florida Homestead includes your house or mobile home. (Is an RV a mobile home??) The State law does not protect you from an IRS, or Federal, Lien.. (Definitely need a lawyers verification)

"Your Home and Florida’s Homestead Exemption
If you own the home you live in, your home is protected from all creditors except those holding a mortgage or lien on your residence. You can exempt or protect your home and up to one-half acre of land from any forced sale if you live in an incorporated area. This also applies to mobile homes. If you live in an unincorporated area, you can protect up to 160 acres as homestead property.
If a creditor has a mortgage on your home no matter what the purpose of the mortgage is, (purchase or improvements etc) you are not protected by the homestead exemption.

To protect your home, an affidavit describing your home and claiming it as your homestead must be filed with the court. This is different from the homestead tax form you file with the county property appraiser every year. Florida Statute 222.01 provides the type of notice and affidavit you will need to file."

Consumer Tip: DEBTORS' RIGHTS IN FLORIDA
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Old 02-22-2013, 09:23 PM   #6
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An Rv is really considered a vehicle therefore you cannot homestead it. Incase of a lawsuit, you could loose the rv to settle a claim and it doesn't make any differenc if it is your "home" or not.
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Old 02-23-2013, 01:01 AM   #7
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If worried about such a thing...have you considered a larger amount of liability coverage on your RV?
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Old 02-23-2013, 12:44 PM   #8
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A mobile home is like a park model home, it is delivered on wheels, and purchased/taxed through DMV, but once the wheels are off, it is not considered an rv.
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Old 02-23-2013, 09:12 PM   #9
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Thanks!
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Old 02-26-2013, 01:23 PM   #10
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If you're unsuccessful, consider purchasing a liability umbrella policy. I pay $240 a year for a 1 million dollar policy, which works out to $40 a month.

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Old 02-26-2013, 01:31 PM   #11
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Quote:
Originally Posted by Rivermanwo View Post
We are new fulltimers and determining our domicile state. Many years ago I had heard that certain states have exempt status for your RV, if it is your residence, incase you were the cause of an accident and became a lawsuit. I have searched and searched but can not come up with the exact wording or how to find out which states, basically, won't take away my RV if I am the cause of an accident (and get sued). Any terms or information that I should look under in each state? or if you know which states protect me.
Thank you,


A new high in trouble-borrowing...
Think you there'd be enough left of your "home" to bother with if you got in a big enough wreck to result in a lawsuit?


I doubt that any State would exempt your on-wheels home from being seized if it were found to be at fault while traveling down a public road. In that case, it's just a vehicle like any other.
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Old 02-26-2013, 02:19 PM   #12
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Craig, $240 per year is $20 per month. Sorry.
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Old 02-26-2013, 03:20 PM   #13
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Originally Posted by Oldrtrcr View Post
Craig, $240 per year is $20 per month. Sorry.
It certainly is, isn't it!

That's what I get for trying to type on my little iPhone screen...

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Old 02-26-2013, 03:41 PM   #14
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Originally Posted by Hooligan View Post

"Your Home and Florida’s Homestead Exemption
If you own the home you live in, your home is protected from all creditors except those holding a mortgage or lien on your residence. You can exempt or protect your home and up to one-half acre of land from any forced sale if you live in an incorporated area. This also applies to mobile homes. If you live in an unincorporated area, you can protect up to 160 acres as homestead property.
If a creditor has a mortgage on your home no matter what the purpose of the mortgage is, (purchase or improvements etc) you are not protected by the homestead exemption.

To protect your home, an affidavit describing your home and claiming it as your homestead must be filed with the court. This is different from the homestead tax form you file with the county property appraiser every year. Florida Statute 222.01 provides the type of notice and affidavit you will need to file."

Consumer Tip: DEBTORS' RIGHTS IN FLORIDA
Thanks great info!
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