Interesting insurance situation

[racer0624]

I was being given parking directions from a KOA employee and while following his direction hit a fence. I was understandly upset and when I contacted Progressive I was told that this is a chargeable accident and as "captain of the ship" it's my fault.

Many of you probably knew this but I didn't. My insurance company has to pay to fix KOA's fence and my coach.

This has been a rough trip on our motorhome. First the deer hit, now this. Also, a bad ABS sensor, washer/dryer won't dry, torn awning, tv antenna won't rotate, cb radio or antenna gone bad. Ain't rv'ing fun??

[racer0624]

I was being given parking directions from a KOA employee and while following his direction hit a fence. I was understandly upset and when I contacted Progressive I was told that this is a chargeable accident and as "captain of the ship" it's my fault.

Many of you probably knew this but I didn't. My insurance company has to pay to fix KOA's fence and my coach.

This has been a rough trip on our motorhome. First the deer hit, now this. Also, a bad ABS sensor, washer/dryer won't dry, torn awning, tv antenna won't rotate, cb radio or antenna gone bad. Ain't rv'ing fun??

[rebelsbeach]

Moved from Newmar Owner's for better response...

[charliez]

So the guy was telling you to come on back and he didn't stop you when you got to the fence?

[Route 66]

You would think that KOA would at least not seek damages for the fence, but insurance companies don't operate that way unfortunately.

The driver of a moving vehicle is always liable for hitting a fixed object or a non moving vehicle.

Even if a police officer or flagger at a construction site is directing you, you are responsible for your vehicle.

I hope they gave you free camping for their part in this accident.

Like John, I'm speaking from experience.

[racer0624]

Heck no Dirk, no free camping. I don't want to offend anyone, but I don't like KOA's as they're usually full of mature trees, sites are narrow, roads are tight and they're overpriced. But sometimes they're the only game in town. Just my opinion.

Does Bob still have his Summit cap?

In Guthrie, Ok. headed to Monroe, La

[Route 66]

You're the injured party. They should do something to make amends.

I share your opinion of KOAs.

I guess he still has the hat, but I haven't seen him wear it.

[rebelsbeach]

I do still have the hat....

I haven't seen Dirk since I left him in Custer's Gulch, SD so I'm not sure he'd know WHAT I was wearing....

[NeilV]

<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by racer0624:
I was being given parking directions from a KOA employee and while following his direction hit a fence. I was understandly upset and when I contacted Progressive I was told that this is a chargeable accident and as "captain of the ship" it's my fault.

Many of you probably knew this but I didn't. My insurance company has to pay to fix KOA's fence and my coach.

This has been a rough trip on our motorhome. First the deer hit, now this. Also, a bad ABS sensor, washer/dryer won't dry, torn awning, tv antenna won't rotate, cb radio or antenna gone bad. Ain't rv'ing fun?? </div></BLOCKQUOTE>

I was warned when I moved to Florida that if you even wave someone on and they get into an accident that you could be held at fault for causing the accident. To yield or stop is ok but never direct anyone or you could be held at fault. I could have been misinformed but if this happened in Florida I would double check who would be considered at fault here. A KOA in Florida due to their employees negligence in directing you may have to pick up the tab.

[racer0624]

Neil V,

I discussed what you mentioned briefly with my sister who is an attorney and she agreed with the Progressive position but indicated that different states could address this issue in different ways. When I get back to Fl. and start the repair process with Progressive, I'll followup on the liability question. I'll also be talking to my insurance agent.

[FloridaAnn]

<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">a </div></BLOCKQUOTE>
This should be interesting. My understanding and the way I feel is that if you drive, no matter what directions given, you are at fault and responsible. For that reason, even if we get directions for parking one of us gets out and stands where driver can see and hear us. Any doubts and we listen to partner and stop. At times we have even gotten out and and checked ourselves before continuing. Also for same reason we don't wave people on, if they have right of way and wave us on, we don't move. Too expensive a mistake enough stuff "just happens".

[TXiceman]

It all goes back to no one wants to be held responsible for their own actions. They want to place the blame one someone else. Here, be it he KOA owner or the RV owner.

Since the KOA owner was giving you directions he should share in the responsibility as you were under his direction and I would presume be was wanting to protect his investment in his campground.

But as the operator of the RV, you are responsible to operate it correctly. Again though, you were watching the KOA owner for directions and he should be looking to be sure you were clear.

I know that if we have a campground host/owner guiding us to a site, I still have the wife out with her walkie-talkie keeping an eye on the rig and where it is going...we know the limits of rig and getting into spots that he does not know.

So probably the best solution here is you fix your RV and he can fix his own fence.

Ken

[racer0624]

Ann, I'm not optimistic about having anything positive happen but I'll post progress of this venture.

currently in West Monroe, La.