RV.Net Open Roads Forum: Truck Campers: Truck Camper Liability Insurance

RV Blog

  |  

RV Sales

  |  

Campgrounds

  |  

RV Parks

  |  

RV Club

  |  

RV Buyers Guide

  |  

Roadside Assistance

  |  

Extended Service Plan

  |  

RV Travel Assistance

  |  

RV Credit Card

  |  

RV Loans

Open Roads Forum Already a member? Login here.   If not, Register Today!  |  Help

Newest  |  Active  |  Popular  |  RVing FAQ Forum Rules  |  Forum Posting Help and Support  |  Contact  

Search:   Advanced Search

Search only in Truck Campers

Open Roads Forum  >  Truck Campers

 > Truck Camper Liability Insurance

Reply to Topic  |  Subscribe  |  Print Topic  |  Post New Topic  | 
Sponsored By:
kbunning

Colorado

New Member

Joined: 06/10/2020

View Profile



Posted: 06/10/20 10:39am Link  |  Quote  |  Print  |  Notify Moderator

Hello,
We own an old truck camper. It's not worth much as far as property value and it has no VIN or serial number that I can find, so we haven't insured it in any way.

BUT, recently friends of mine were involved in a traffic accident with their tow behind RV. They are concerned they could be sued and held liable for another driver's injuries, who was involved in the accident. My friend was found to be "at fault" and was cited for the accident (although it was just a freakish wind incident). They are not sure that their regular RV insurance would cover this.

I would have the same concerns. What if my camper flies off the truck? (I realize this is VERY unlikely) We have NO insurance on it, so ...??

Just FYI - We have full insurance coverage for the truck and we have an umbrella policy, which I believe would cover us in this or most other crazy scenarios. But my friends are also concerned that their umbrella policy may not cover this.

Anyone out there have experience with such situations? Or is their an insurance person out there who can help me get the sort of coverage I might need on our old truck camper.

Thanks in advance!

brholt

Seattle

Senior Member

Joined: 11/17/2010

View Profile


Offline
Posted: 06/10/20 10:46am Link  |  Quote  |  Print  |  Notify Moderator

Just checked my separate truck camper policy. It has comprehensive and collision but not liability. The insurance on the truck covers the liability.

otrfun

On The Road

Senior Member

Joined: 09/08/2012

View Profile



Good Sam RV Club Member


Posted: 06/10/20 11:28am Link  |  Quote  |  Print  |  Notify Moderator

The liability insurance on the tow vehicle should cover any claims against a TT or camper as long as the TT/camper was being towed/hauled by the tow vehicle at the time of the accident. However, once the TT or camper is removed/detached from the tow vehicle (at home or in a campground) the liability insurance for the tow vehicle will no longer provide coverage. At that point, one would hope their homeowners or umbrella insurance would provide coverage; however, that's not a given. Have to read your policy's fine print. Ideally, you'd want to purchase liability insurance for your TT or camper that provides standalone, 24/7 coverage. Unfortunately, 24/7 coverage is very hard to find (most only provide "vacation" liability coverage---only active when you're using the TT/camper). You can get 24/7 liability coverage if you claim you're living in the TT/camper full-time.

franco ontarien

Ottawa, Ontario

New Member

Joined: 08/21/2012

View Profile


Offline
Posted: 06/10/20 11:37am Link  |  Quote  |  Print  |  Notify Moderator

Ok I'm in Canada, and each province have their own rules, but when I went to insure my truck camper, this is what I was told.

When camper is on truck and truck is moving, liability is covered by truck insurance.

When truck is parked and camper is on or off the truck, in storage or in a campground liability is covered by it's own insurance or homeowner's insurance. Not the truck's insurance.

Just saying. Check with your provider...

Lwiddis

Bishop area, California

Senior Member

Joined: 08/12/2016

View Profile



Good Sam RV Club Member

Online
Posted: 06/10/20 01:23pm Link  |  Quote  |  Print  |  Notify Moderator

Ask your independent insurance agent.


Winnebago 2101DS TT & 2020 Chevy Silverado 1500 LTZ Z71, 300 watt solar-parallel & MPPT, Trojan T-125s. TALL flag pole. Prefer USFS, COE, BLM, NPS, TVA, state & county camps. Bicyclist! 14 year Army vet-11B40 then 11A - (MOS 1542 & 1560) IOBC & IOAC grad


specta

utah

Senior Member

Joined: 06/18/2001

View Profile



Posted: 06/10/20 03:41pm Link  |  Quote  |  Print  |  Notify Moderator

I would contact the company that you have your truck insured with.


Kenny
2011 Chevy 2500 HD 6.0L 4wd
Regular cab. The best looking trucks.
1995 Lance 945 Onan QG 2500 LP
6580 lb truck 10540 fully loaded


silverbullet555

Boise

Full Member

Joined: 05/28/2020

View Profile


Offline
Posted: 06/10/20 03:45pm Link  |  Quote  |  Print  |  Notify Moderator

Timely post since I bought a used trailer over the weekend.


James
2007 Chevy Silverado 2500HD Classic Crew Cab 4wd 6.5' bed
1995 Northland Grizzly 860 camper
2002 Cobalt 226

Kayteg1

California > Nevada

Senior Member

Joined: 06/18/2015

View Profile


Offline
Posted: 06/10/20 05:31pm Link  |  Quote  |  Print  |  Notify Moderator

x2 (or whatever) that truck insurance covers liability on cargo, like TC, wheelbarrow, plywood etc.
IMHO plywood or wheelbarrow will fly from your truck faster that TC, so if you are really paranoid about it - you should start here.





RickW

Sacramento CA

Senior Member

Joined: 09/19/2004

View Profile



Good Sam RV Club Member

Offline
Posted: 06/10/20 06:45pm Link  |  Quote  |  Print  |  Notify Moderator

When I first got my TC I had to keep it in a storage yard and the owner insisted that it be covered by liability insurance. My insurer agreed to add a rider to my auto policy. (Vehicle XX includes one or more camper(s), which are covered on this policy) I showed the rider to rent a parking space. It worked.


Rick
04 GMC 1500 4X4X4
04 Sunlite SB

Grit dog

Black Diamond, WA

Senior Member

Joined: 05/06/2013

View Profile


Offline
Posted: 06/10/20 09:08pm Link  |  Quote  |  Print  |  Notify Moderator

Not much your camper could be "liable for" unless it falls off the truck, lol, in your scenario or someone has a couple too many cocktails and falls out the back door!
I would not bother. I wouldn't even inside ours except it is stored in the shop all year and if the shop somehow burns down, the camper isn't making it out alive...but don't have liability on it, just damage insurance since it's super cheap.


"Yes Sir, Oct 10 1888, Those poor school children froze to death in their tracks. They did not even find them until Spring. Especially hard hit were the ones who had to trek uphill to school both ways, with no shoes." -Bert A.

Reply to Topic  |  Subscribe  |  Print Topic  |  Post New Topic  | 

Open Roads Forum  >  Truck Campers

 > Truck Camper Liability Insurance
Search:   Advanced Search

Search only in Truck Campers


New posts No new posts
Closed, new posts Closed, no new posts
Moved, new posts Moved, no new posts

Adjust text size:




© 2021 CWI, Inc. © 2021 Good Sam Enterprises, LLC. All Rights Reserved.