Who's insurance pays
Your camper catches fire. Other campers catch fire around you due to the fire started at your unit. Does my insurance cover ever unit or does the insurance from camper #2 Pay for camper #3 s fire...
Forum Discussion
chast wrote:
Hi--in a case like this, your insurance company will pay your loss. They will then sue the insurance company of the person whose fire caused your loss. In the event that you feel you were not paid fairly for your loss, you can bring a civil suit against the person who fire caused your loss. Any other outcome might occur in today's crazy world, but this is how it should go.
Basically not true.
Individual states have different laws and different cases in different Federal Court Districts may influence Court decisions.
However, as a general rule, in a casualty case, each loss stands alone. Your house catches fire, and that fire spreads to another house. The first house on fire is responsible for their loss, and any subsequent loss from the original fire is then responsible for their loss. The first loss is not responsible for other losses.
