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Old 01-05-2025, 08:04 PM   #1
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Transfer of Liability

Selling RV to buyer in another state.

Bill of Sale is written and will be signed on day of sale.

Money will be wired from Buyer bank to seller bank.

Title will be mailed to Buyer.

Buyer DOES Not have RV insurance.

Seller will cancel RV Insurance Policy

Buyer upon BOS signature and verification of funds transfer, Buyer will drive RV home 10 hrs away.

Who, Buyer or Seller, has liability for any damage to the RV once sale is executed?

Thanks
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Old 01-05-2025, 08:23 PM   #2
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A line in the Bill of Sale should clearly state that upon the completion of the sale (money transfer) the liability is solely the buyers.
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Old 01-05-2025, 08:28 PM   #3
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Why is buyer not at least getting liability insurance? That is easily done in advance. All insurance company needs is Vehicle information and VIN.
And there really is no reason buyer cannot get temporary plates form DMV in your state. They may need to pay sales (use) tax which would be credited in the destination state.
Are they buying for personal use or resale? Seems fishy!
If relying on the paperwork only you will want to get all the documents notarized including your signing of the title as seller and that the new owner is signing as buyer.
Until that title is formally transferred anything that goes wrong will end up being settled in court. At that point even if you win, you lost.
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Old 01-05-2025, 08:31 PM   #4
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My 0.2 cents. Had the same question long time ago. MVD in Arizona told me until the buyer puts the vehicle in his name I was still the owner on record. If it was me I would tell the new buyer to get insurance on it so he can drive it home.
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Old 01-05-2025, 08:38 PM   #5
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I just bought my "new to me" motorhome last month through a private sale. I got a certificate of insurance from my company so I could drive it home. Good thing I did because on the 1,000 mile drive home a bumper blew off of a junk car on a trailer and smacked into the front of my previously perfect motorhome.
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Old 01-05-2025, 08:52 PM   #6
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He should have insurance. In a dealer sale, they require you to have insurance before completion of the sale. Don’t see why he wouldn’t be able to get insurance.
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Old 01-05-2025, 08:57 PM   #7
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I just bought my "new to me" motorhome last month through a private sale. I got a certificate of insurance from my company so I could drive it home. Good thing I did because on the 1,000 mile drive home a bumper blew off of a junk car on a trailer and smacked into the front of my previously perfect motorhome.
A mishap that is really insignificant as to why we have insurance. Now imagine if you hit someone! That is why we need and pay for insurance.
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Old 01-05-2025, 08:58 PM   #8
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Seller be sure to take your plates. The buyer will need his own plates/registration.
If buyer chooses to drive washout plates or registration that is not your responsibility
Plates in your possession and bill of sale. Show you are no longer the owner.
Turn in plates to your DMV ASAP.
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Old 01-05-2025, 09:11 PM   #9
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Plates stay with the vehicle in some states. The buyer can get insurance in fifteen minutes on the phone, or online. Liability insurance is cheap for RVs, they must know most of them get driven very little. Still too cheap for the people who drive them!
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Old 01-05-2025, 09:18 PM   #10
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DON'T you have to sign the title releasing all interest registered on the title??
this sounds like it has the potential TO go very bad. i would have his bank wire the money to your bank then you get the title, and you sign it. then when he comes to pick it up he signs the title and bos. NOW with this and the bos its his to do with as he pleases. I would think the bank (IF he is taking a loan) would want full coverage on it.
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Old 01-05-2025, 09:35 PM   #11
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Plates stay with the vehicle in some states. The buyer can get insurance in fifteen minutes on the phone, or online. Liability insurance is cheap for RVs, they must know most of them get driven very little. Still too cheap for the people who drive them!
What do you call cheap? I'm paying $2K year. Then again that is what we pay for a car.
Depends on where you live, liability coverage desired, and collision, comp desired or required if financed.
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Old 01-06-2025, 12:05 AM   #12
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Used to be a lawyer.

If Buyer has an accident on his way home, and hurts someone, a lawyer will probably get involved.

The lawyer will first look to the Buyer for his insurance. No point suing someone who can't pay you.

If the Buyer has no insurance, the lawyer will move on to you. He will claim that your insurance, as the last insurance on the vehicle, applies and provides coverage, and thus money for him.

He might win, in which case your insurer will pay, and this will go on your record. He might lose, in which case you may have legal bills.

I would insist on Buyer proving coverage to you.
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Old 01-06-2025, 01:35 AM   #13
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Plates stay with the vehicle in some states. The buyer can get insurance in fifteen minutes on the phone, or online. Liability insurance is cheap for RVs, they must know most of them get driven very little. Still too cheap for the people who drive them!
OP states buyer is from another state. Plates stay with seller!
Usually, insurance can't be cancelled until plates turned in and registration marked.
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Old 01-06-2025, 01:45 AM   #14
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Used to be a lawyer.

If Buyer has an accident on his way home, and hurts someone, a lawyer will probably get involved.

The lawyer will first look to the Buyer for his insurance. No point suing someone who can't pay you.

If the Buyer has no insurance, the lawyer will move on to you. He will claim that your insurance, as the last insurance on the vehicle, applies and provides coverage, and thus money for him.

He might win, in which case your insurer will pay, and this will go on your record. He might lose, in which case you may have legal bills.

I would insist on Buyer proving coverage to you.
Most of us with RV's have some money and other assets of value. Without "adequate" insurance some of that is at risk. The liability limit does not prevent being sued for more.
As for seller possibly being responsible consider if an incident occurs that is related to an equipment failure. Add some possible negligence to the mix.

I'm not a lawyer nor play one on TV.

You want the title signed over. Seller and Buyer signs.
Bill of sale or other required ownership transfer on DMV forms. Including the forms for "value" for the sales-use taxes. Some states require notary or other witness.
Copy of proof insurance or they could have a transport company move the vehicle.
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