bluwtr49
Green Valley, AZ
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An interesting insurance question popped into my mind. This is purely hypothetical of course.
Scenario One:
You are happily motoring down the road and, in the process of making a turn the toad sideswiped a parked car or ???? No contact with the MH just the toad. Which policy covers the damage??? The toads liability or the MH assuming they are separate policies.
Scenario Two:
The toad brakes looses as the result of misfortune and damages property or injures some one. Same question, which policy would would be liable?
Dick
2000 40" DP Beaver Patriot Thunder Cat C-12 425 HP, 1550 Tq
1997 Jeep GC Limited ---toad
2008 Toyota Tundra Crew Max Limited TRD (Retired)
2009 Cougar 268 RLS ~8700 lbs road wt (Retrired)
2006 Jeep Liberty Turbo Diesel.....TV in Training
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wallynm
Los Alamos NM
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Makes no difference to us as all things are insured by the same company and the umbrella policy established the underlying coverage for each vehicle.
Do you have different insurance companies?
bluwtr49 wrote:An interesting insurance question popped into my mind. This is purely hypothetical of course.
Scenario One:
You are happily motoring down the road and, in the process of making a turn the toad sideswiped a parked car or ???? No contact with the MH just the toad. Which policy covers the damage??? The toads liability or the MH assuming they are separate policies.
Scenario Two:
The toad brakes looses as the result of misfortune and damages property or injures some one. Same question, which policy would would be liable?
* This post was
edited 05/18/12 06:36pm by wallynm *
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ngreen
Missouri
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Whether you towing a car or a boat, it would be covered by the towing vehicles insurance, in this case the MH
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wolvereeny
SE Michigan
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In Michigan the tow vehicle covers the towed while hooked together. If it comes unhooked the towed vehicle better have insurance, because it is now on it's own. That applies to trailers also.
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crasster
Dallas
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The tow vehicle is the moving vehicle. It bears the responsibility.
4 whopping cylinders on Toyota RV's. Talk about great getting good MPG. Also I have a very light foot on the pedal. I followed some MPG advice on Livingpress.com and I now get 22 MPG! Not bad for a home on wheels.
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msmith1199
Central, CA
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wolvereeny wrote:In Michigan the tow vehicle covers the towed while hooked together. If it comes unhooked the towed vehicle better have insurance, because it is now on it's own. That applies to trailers also.
Trailers? I have a little utility trailer that has no insurance. So if I towed it to Michigan and it came off my truck my truck insurance wouldn't cover any damage it did?
2004 National Tropi-Cal T-350, Class A, Triple slide, 330 HP Cat DP.
2006 Dodge Dakota 4x4 or
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hallock5
Texas
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With that kind of luck, no need wasting money on lottery tickets.
2008 Jayco Eagle Superlite 28.5RLS
2002 Ford 4x4 SuperCab 7.3 (Jr International) Diesel
Sad to say, time to sell to a good home.
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mowermech
Billings, MT
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I suggest a call to YOUR insurance agent is indicated. He/she can tell you what YOUR policies will cover in the indicated scenarios
I'm not even sure what MY policy would cover, there is no way I can give an opinion for YOURS!
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2002 Fleetwood Southwind 32V, Ford V10
Toad: 2006 Jeep Rubicon LJ
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Toy: 1977 Dodge W100 CC SWB, 3/4 ton axles & springs
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bluwtr49
Green Valley, AZ
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Thanks for the replies. Yes, I do have separate policies on the two vehicles.
As far as seeking advice, I'm not....just opening up an academic discussion and, who knows, perhaps someone with actual knowledge would chime in.
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msmith1199
Central, CA
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bluwtr49 wrote:Thanks for the replies. Yes, I do have separate policies on the two vehicles.
As far as seeking advice, I'm not....just opening up an academic discussion and, who knows, perhaps someone with actual knowledge would chime in.
I was an insurance adjuster many years ago so I can give you a generic answer. Generally the towing vehicle's insurance is primary for puposes of liability. So any damage your towed does to the property of others is covered by your motorhome policy even if it comes off the motorhome. The thing I'm not positive about is damage to the towed. My guess is it would be fixed by your own collision insurance on that towed. If you don't have collision coverage then I don't think it gets covered.
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