If you left a pot on the stove, unattended and it caught fire while you are outside enjoying a cool one with your other neighbor, that would be negligence on your part. I would think you had best have "public liability" insurance on your parked trailer or 5'er. An argument could be made if it were still hooked to the tow vehicle, but I doubt if that would fly very far. Given it's low cost, cannot see why anyone would not have it.
I guess I'm a LITTLE confused on just what damage the trailer will be doing to someone ELSES property while just sitting there unhitched Maybe I've just been lucky but I've never been attacked by one as I walked by.
What if you were parked in one of those RV parks where they are packed in like sardines and your unit burst into flames, and destroyed a unit next to it and someone was injured in it? Would that have been a good time to have liability insurance?
Any licensed unit, whether towed or under it's own power, that can move on public or private property needs liability insurance coverage. Who cares about collision as these things age. Liability exposure through legal judgements could run into the millions of dollars of damage done by it under the right circumstance.
I guess the point I was getting at was, 1: what difference does a bathroom make? Why should the registration requirement be different for my 5er than for a 20 foot enclosed cargo trailer or goose neck utility trailer? 2: Why would the BUREAU OF MOTOR VEHICLES care if I have insurance to cover theft/damage when the trailer is parked, unhitched from my truck. That is the concern of me and my leinholder.
I understand the "liability" aspect of possible injury to a third party person or property, but that was not the point I was trying to make.
This is just another one of those crazy rules that we can all laugh at.
Don't let your work become your life. 2002 Ram 2500 Quad Cab, SLT, shortbed, 5.9L turbo diesel, 3:55 limited slip axle, 16k reese, Tekonsha Prodigy 2003 Keystone Springdale 249BHLGL-CW Jethroish@aol.com
I don't want to tackle with any trailer that has come loose from the tow vehicle at 60mph and is coming toward me at that speed. That is a real need for good liability insurance.
This is just another one of those crazy rules that we can all laugh at.
And another is the personal property tax you will be paying on that 5-er. You are required to offer up that info to your township trustee on a form by May 15. The personal property tax on our Class A gasser was more than our house.
Indiana=Land of Taxes
Dale
(former Hoosier, now South Dakotan)
Dale Pace
Wife to Terry (Teacher's Pet)
Mom to 2 rescued Scotties
Bailey and Neal
2006 Tiffin Phaeton 40' QSH, 4 slides (Phaeton Place)
2003 Sport Trac Toad
Fulltiming since retiring in 2005
cm wrote: "Ask any insurance agent and they will tell you that liability follows the tow vehicle therefore, liability is not required on a TT or 5er"
While the liability coverage from the vehicle may follow while the trailer is hooked up to the vehicle what about the times that the trailer is not hooked to the tow vehicle? Sitting by itself in a campground. What about while it is stored. Especially if it is not stored on your property.
Really simple, the liability part of your homeowners/tenants insurance covers that.
I made sure my insurance agent explained that VERY CLEARLY when I insured my rig.
It goes as follows...
Truck insurance covers liability on trailer when towing (or just attached).
Collision/Comprehensive on trailer covers accidents, vandals, tree limbs, tornados, etc.
Homeowner/tenant insurance covers the Bozo who cuts through your campsite, cuts his leg open on the tongue of your trailer, then decides to sue you.
Paul (Mouse)
2007 Flagstaff Shamrock 17 Hybrid (heavily modified for boondocking and winter camping).
2007 Dodge Dakota Quad Cab, 4.7L HO engine, Factory tow package, Equil-i-zer WD Hitch, Prodigy brake controller.
Yamaha EF2400 Generator.
Maybe I've just been lucky but I've never been attacked by one as I walked by. 
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