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01-23-2014, 03:44 AM
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#1
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Senior Member
Winnebago Owners Club
Join Date: Nov 2006
Location: Anywhere, USA
Posts: 2,472
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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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John & Marilyn Yoder, Sophie & Misha (Bichons)
2008 Vectra 40TD, WIT-151980 FMCA F265880
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01-23-2014, 03:53 AM
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#2
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Senior Member
Winnebago Owners Club Florida Cooters Club Freightliner Owners Club
Join Date: Nov 2013
Location: florida west coast
Posts: 453
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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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Well Itasca got totaled. Just picking up a 2021 5th wheel, (first one). Arctic Wolf. Do miss my Diesel pusher.
IT Guy.
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01-23-2014, 03:57 AM
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#3
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Senior Member
Country Coach Owners Club Retired Fire Service RVer's
Join Date: Feb 2013
Location: Ocala, Florida
Posts: 6,295
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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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FMCA #F431170, GS #822128658, Escapees SKP #112655
2012 Airstream Mercedes Interstate Class B
[SIGPIC][/SIGPIC]
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01-23-2014, 04:03 AM
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#4
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Senior Member
Newmar Owners Club
Join Date: Oct 2009
Posts: 10,310
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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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2012 Essex 4544 2011 Jeep JK, M&G Braking, 2014 MTI 27' Hog Hauler, Wireless brake control, 2006 Ultra & 1989 Springer, 2003 Harley-Davidson
FLHR Road King Anniversary
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01-23-2014, 05:54 AM
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#5
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Senior Member
Monaco Owners Club
Join Date: Feb 2012
Posts: 305
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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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Richard Anderson
2002 Beaver Monterey Seacliff, '13 Jeep Wrangler
Retired, fulltimer
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01-23-2014, 05:59 AM
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#6
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Senior Member
Winnebago Owners Club
Join Date: Apr 2005
Location: Texas
Posts: 2,481
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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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Warren and Debbie, Deep in The Heart of Texas
2018 Winnebago View 24D
2014 Tiffin Breeze 32BR, 2012 Winnebago Navion 24G, 2006 Winnebago View 23H
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01-23-2014, 06:03 AM
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#7
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Senior Member
Holiday Rambler Owners Club
Join Date: Feb 2013
Location: Green Cove Springs Fl
Posts: 220
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It's getting bad when the thought that comes to mind is "Who's gonna pay"
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01-23-2014, 06:14 AM
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#8
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Senior Member
Fleetwood Owners Club
Join Date: Jun 2009
Posts: 4,031
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Quote:
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,
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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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01-23-2014, 06:17 AM
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#9
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Senior Member
Join Date: Apr 2010
Location: Playa del Carmen, Q.R., Mexico
Posts: 590
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Quote:
Originally Posted by ChiefJohn
our motorhome is damaged or we are injured by a neighbors RV
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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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01-23-2014, 06:55 AM
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#10
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Senior Member
Texas Boomers Club
Join Date: Jul 2000
Location: Cypress, Texas USA
Posts: 8,854
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I would suggest being well-covered by comprehensive damage and uninsured motorist riders on your insurance policy.
Rusty
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01-23-2014, 07:18 AM
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#11
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Community Administrator
Join Date: Aug 2009
Posts: 53,560
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Quote:
Originally Posted by RustyJC
I would suggest being well-covered by comprehensive damage and uninsured motorist riders on your insurance policy. Rusty
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Don't forget collision coverage.
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Cliff,Tallulah and Buddy ( 1999-2012 )
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01-23-2014, 07:22 AM
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#12
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Senior Member
Texas Boomers Club
Join Date: Jul 2000
Location: Cypress, Texas USA
Posts: 8,854
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Quote:
Originally Posted by Clifftall
Don't forget collision coverage.
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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
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01-23-2014, 07:29 AM
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#13
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Senior Member
Join Date: Dec 2009
Location: North Texas
Posts: 1,061
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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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01-23-2014, 07:36 AM
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#14
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Community Administrator
Join Date: Aug 2009
Posts: 53,560
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Quote:
Originally Posted by RustyJC
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
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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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Cliff,Tallulah and Buddy ( 1999-2012 )
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