My RV insurer (National Interstate) tells me that when we rent an RV site we become liable for any mishaps on the site similar to at our homes, e.g. If a visitor trips on the fire pit and cracks his skull. They have coverage called "vacation liability" for those issues. This got me thinking. When I rent a cabin in the mountains I expect the owner to carry the insurance. Why would RV sites be different? My homeowners insurance agent (State Farm) is not familiar with that concept and says it may be a secondary coverage with the owner carrying the primary. she is researching it because I asked for a quote on the RV coverage.Is this a real issue or is the insurance company intimidating me to double insure like they do for rental cars?

We are full timers and carry separate liability insurance in case any one has an accident on our site. People who sue would probably sue all parties including you and the campground owner. This way, we are protected and our policy is inexpensive.

You are possibly liable to the extent that you caused the occurrence either by neglect or action. ie: you leave your skateboard outside where someone trips on it, you put a tether line on your pet and someone trips over it, run an extension cord across the patio...... You get the idea. You are not responsible if someone falls on eneven ground in the campsite. However, what happens inside your RV is your responsibility which you are likely covered for under your RV policy. This is to the best of my understanding after my discussion with my insurance agent.

When we FTd we used National Interstate and had a 'home owners' policy plus truck/rv comp/collision/liabilityNow that we weekend camp.....just normal truck/rv comp/coll/liabilityNational Interstate Ins. caters to Full Timers and are giving you the opportunity to have FULL coverage........up-selling :B (would you like to make that a Large Sir?)We were very pleased with National Interstate...but sounds like they are marketing their services.

Does this also mean you can sue them for trespassing? Seems it should go both ways.

when you rent a motel room, are you liable for accidents in there?bumpy

Campsite Liability - insurance issues | Good Sam Community

bid_time
Nomad II
Aug 04, 2015
OP, if I had an insurance agent that I trusted and that knew my insurance coverages, then I would dam sure trust what they were telling me over what some joker on the internet that knew nothing about me or what I was insured for was saying. If you want a second opinion go to another agent and show him your insurance policies and get his opinion. Any opinion you get here isn't worth jack.
Walaby
Explorer II
Aug 04, 2015
bid_time wrote:
OP, if I had an insurance agent that I trusted and that knew my insurance coverages, then I would dam sure trust what they were telling me over what some joker on the internet that knew nothing about me or what I was insured for was saying. If you want a second opinion go to another agent and show him your insurance policies and get his opinion. Any opinion you get here isn't worth jack.

That is the best response that I've seen!

Mike
gbopp
Explorer
Aug 04, 2015
Bumpyroad wrote:
when you rent a motel room, are you liable for accidents in there?
bumpy

It depends on the type of 'accident' in the motel room. :W
majorgator
Explorer
Aug 04, 2015
With all this worrying, probably best just to stay home.
dodge_guy
Explorer II
Aug 04, 2015
Ever here the term "insurance poor"? That's when someone has so much insurance they can't afford to do anything else!
Terryallan
Explorer II
Aug 04, 2015
bid_time wrote:
Bumpyroad wrote:
when you rent a motel room, are you liable for accidents in there?
bumpy
I can guarantee if an ember goes up off your campfire and burns your neighbors $500,000.00 Prevost to the ground your going to be sued. The judge will decide whether or not your liable and I don't think "renting" will be a factor in his decision. And I wouldn't be surprised if you got sued if you were smoking in bed and burnt the motel down.

Wouldn't they have to prove it came from my fire? and then there is. You parked in a area you knew would have campfires. So it's up to you to use reasonable care. Shouldn't have parked beside a fire.
Redcatcher70
Explorer
Aug 04, 2015
We sold our rig a few years ago, if this is what "camping" has come down to, I am glad we no longer rent a space in a campground. Can't sit around the fire anymore without fretting if someone will sue me because they do something stupid in my rented space.......

I think your agent is milking you for a few dollars, see if they can provide information comparing policies sold verses claims paid out on such a rider on an insurance policy.
rhagfo
Explorer III
Aug 04, 2015
darsben wrote:
Terryallan wrote:
the_vfox wrote:
Does this also mean you can sue them for trespassing? Seems it should go both ways.

In your rig yes.
On the campsite NO

Sounds like they are just trying to sell more insurance to you.

Why not? I you can be held liable an accident, you should have a reasonable expectation of the space rented to you is in your control. Therefore anyone not invited is trespassing.
bid_time
Nomad II
Aug 04, 2015
Terryallan wrote:
bid_time wrote:
Bumpyroad wrote:
when you rent a motel room, are you liable for accidents in there?
bumpy
I can guarantee if an ember goes up off your campfire and burns your neighbors $500,000.00 Prevost to the ground your going to be sued. The judge will decide whether or not your liable and I don't think "renting" will be a factor in his decision. And I wouldn't be surprised if you got sued if you were smoking in bed and burnt the motel down.

Wouldn't they have to prove it came from my fire? and then there is. You parked in a area you knew would have campfires. So it's up to you to use reasonable care. Shouldn't have parked beside a fire.
Like I said, the judge gets to determine if you're liable. And if that happens, you better hope the insurance co. decides you're covered.
Terryallan
Explorer II
Aug 04, 2015
bid_time wrote:
Terryallan wrote:
bid_time wrote:
Bumpyroad wrote:
when you rent a motel room, are you liable for accidents in there?
bumpy
I can guarantee if an ember goes up off your campfire and burns your neighbors $500,000.00 Prevost to the ground your going to be sued. The judge will decide whether or not your liable and I don't think "renting" will be a factor in his decision. And I wouldn't be surprised if you got sued if you were smoking in bed and burnt the motel down.

Wouldn't they have to prove it came from my fire? and then there is. You parked in a area you knew would have campfires. So it's up to you to use reasonable care. Shouldn't have parked beside a fire.
Like I said, the judge gets to determine if you're liable. And if that happens, you better hope the insurance co. decides you're covered.

I WON'T BE. Because I don't have any. All I have is what is required by law, and my loan company. The TT has liability as long as it is hooked to the TV. None when not, and of course. It has comp, and collision all the time.
But judge. I didn't even have a fire. It was his. Prove me wrong.

BTW. that is just about the stupidest scenario I have ever heard. Much like the RVer that tried to sue McDonalds because he ran into the sign. Beyond stupid.