The OTHER guys insurance company requires it. You are a trucker now & you are at fault if all of the requiremen for your vehicle are not met in the state you are in. Go to the state you are registered in and all the states you are to travel in DOT website or call them. This is NOT the USA when you are RATED at 12,500 pounds gross or more. some states require brakes at 1000# others 2000#. Still others require you to stop at a stated distance. ALLdemand you stay within your Motorhome's GCVW limits. When you have met these requirements contact your insurance carriers main office for their opinion. I they clear you for no brakes have them put it in writing , sign it and send you a copy. Then you do not need brakes on your towed vehicle.
Way too many LAWYERS out there on a percentage.