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Old 01-23-2014, 04:44 AM   #1
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Uninsured/Non-Licensed RVs In RV Parks

The cold weather down here in south Alabama has me "thinking" of an issue we've seen all too frequently during our full-time adventurers -- who assumes liability for damage/bodily injury incurred from an non-licensed and/or no liability insurance RV within an RV park. We're seeing more and more RVs in parks without a valid state license and I'm sure, in many cases, no insurance.

As an example, our motorhome is damaged or we are injured by a neighbors RV for whatever reason and they don't have any insurance, does the owner of the RV park become liable by not making sure RVs allowed in the park meet all requirements for licensing and insurance?
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Old 01-23-2014, 04:53 AM   #2
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there is probably a lawyer for that. but it is a scary thought. i would think that the park owner has no responsibility, an probably an other lawyer for that also. thats why its always best to get the uninsured insurance. especially when these toy's of ours cost 1000's an most 10,000's.
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Old 01-23-2014, 04:57 AM   #3
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If the RV Park owner allows these unlicensed, uninsured RV's to stay at their parks, I suppose they would assume some liability for their presence. However, I am not a lawyer so this is just a layman's perspective.
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Old 01-23-2014, 05:03 AM   #4
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Any resort/campground that I have been in has stated in the rules or fine print that they are not responsible for any damage to you or your equipment. Lets say you damage my property,bodily or material, you have no insurance, ,my insurance will cover medical and repair my covered property, now as far as you........you will get to know my insurance company's cooperate lawyer........good luck
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Old 01-23-2014, 06:54 AM   #5
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YOU will end up being responsible. You could go to court and you might win, but you will have to hire a lawyer $$$. And then, even if you get an award, it is likely you won't get the money anyway if the person you sued is indegent.
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Old 01-23-2014, 06:59 AM   #6
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My guess is the situation you explained is much the same as all the uninsured motorists on the road . . . if you are unfortunate enough to have an encounter, so sad for you!
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Old 01-23-2014, 07:03 AM   #7
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It's getting bad when the thought that comes to mind is "Who's gonna pay"
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Old 01-23-2014, 07:14 AM   #8
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As an example, our motorhome is damaged or we are injured by a neighbors RV for whatever reason and they don't have any insurance,
Those RV's have probably been sitting in one spot and never moving for a long long time.

And the odds of the no plates/no Insurance RV jumping out and hitting your MH or body. Is almost the same as a tree jumping out and hurting your MH or you.

Just make sure you have your own insurance to take care of any damage to your MH or person. Deductible amount you have is up to you.
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Old 01-23-2014, 07:17 AM   #9
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Originally Posted by ChiefJohn View Post
our motorhome is damaged or we are injured by a neighbors RV
Not to put too fine a point on it but very seldom do RV's just go around injuring people and damaging property.

Before going after the park owner would you first consider that the owner/operator of the offending RV has some liability?

Hopefully your travels will all be safe ones.
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Old 01-23-2014, 07:55 AM   #10
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I would suggest being well-covered by comprehensive damage and uninsured motorist riders on your insurance policy.

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Old 01-23-2014, 08:18 AM   #11
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I would suggest being well-covered by comprehensive damage and uninsured motorist riders on your insurance policy. Rusty
Don't forget collision coverage.
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Old 01-23-2014, 08:22 AM   #12
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Don't forget collision coverage.
True, but if mine isn't moving, then I'm not sure that it's a collision claim. Nonetheless, your point is well taken - cover ANYTHING that can happen.

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Old 01-23-2014, 08:29 AM   #13
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Most Private RV Parks I've stayed in usually have a sign in the front office (and sometimes in the fine print) that reads something like...

"Not responsible for theft or damage."

Now who knows if that holds up in court, but it would certainly indicate that the RV Parks don't see themselves as liable.

Best suggestion...
Adopt the attitude that you know there is risk when your MH rolls out of your driveway, and insure yourself accordingly.
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Old 01-23-2014, 08:36 AM   #14
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True, but if mine isn't moving, then I'm not sure that it's a collision claim. Nonetheless, your point is well taken - cover ANYTHING that can happen. Rusty
Here's a discussion that I found on the internet so it must be correct.

http://www.expertlaw.com/forums/showthread.php?t=22428

Not sure if all policies are written this way but it sounds plausible.
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