Who's insurance pays

BB_TX wrote:
Somewhat similar. Cars in front of me came to an abrupt stop. I stopped. Car 1 behind me skidded to a stop about a foot short of hitting me. But he did stop without hitting me. Car 2 behind him did not stop in time. He hit car 1 behind me, knocking it into my vehicle. Car 2 insurance paid for my damages and car 1 damages. No law suit needed.

same in the case of my son's recent accident. he was #2 in line, #3 hit him, He was on his motorycle, He landed on Car #1, bike scraped side of #1.

In the end car #3 insurance is covering ALL damages and medical etc. for #1 and #2. Our son's insurance pays his bill, fixes the bike and will get the reimbursement from #1. His medical pays his bills outright and then recoops from #1.

#3 is already writing checks to insurance #1 an #2 for damages, medical, etc. etc.

Nice thing is he doesn't need to deal with #1 insurance or #3 insurance his insurance pays and then goes to the others for reimbursement. Same on medical. he gets covered and they go after responsible parties.

bmet2000 wrote:
The lawyers would get most of the money and the owners would get what ever is left...

Yup, Insurance company's are the worlds 3rd greatest evil. Right after Lawyers and Banks.

Be lucky if anybody gets any money, and if they do it would not be what their campers are worth.

I know that in manners of property damage liability often goes back to the land owner. it could be that if a nearby camper burned and caused damage to another, the property owner may be liable for part of the damage.

Then of course who pays what also comes down to what was the cause of the fire.

I would be annoyed too. I highly doubt the campground is legally responsible to tell you anything. Sure would have been nice though. If the damage is more than your deductible it's time to call your insurance agent.

Want to know an answer on this myself. Husband went to seasonal site to open up and discovered the neighbors next to us have burned theirs to the ground and it looks like our 2015 Hideout has heat damage to the outside trim. Of course no one from campground notified us either....so would that place some liability on them to for negligence since they obviously had to know this other camper burnt to the ground. Utterly annoyed about this......

rickhise wrote:
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. An so on an so on.

Campfire discussion one night any knowledgeable responses thanks

let your insurance company figure it out and work with the other victims as needed. that's what you pay your insurance agent to do.

The liability from your policy extends to damage caused by you. The quickest way for the other people effected is for them to use their own policy to pay their damages then their company will subrogate against the wrong doer. only down side is that a deductible must be paid up front which will eventually be returned when the claim is settled. If you have the time, simply work with the wrong doers company to settle the claim. DO NOT get attorneys involved. Just work with the insurance company, do a little homeword as to the value of your loss then settle. If you get greedy and use a attorney, your settlement will be much less than it would have been if you simply worked with the insurance company.

rickhise wrote:

mbopp wrote:
Why not just ask your insurance agent instead of internet lawyers?

Wouldn't it be nice if you only got responses that were actually helpful. Rather than
Sarcastic time wasters

Seems like a lot of speculation. I agree with the suggestion to ask someone in the know, vice internet lawyers.

That being said, I can understand the campfire bantering that would lead to the discussion. There's too many issues or circumstances in every situation to be able to definitively say who's insurance covers what. Even for the guy who knows the guy who owns the RV dealership.

Mike

dspencer wrote:
A friend of mine own's an rv dealership and they had a customer bring there camper in for repair and had left the fridge on. There camper caught fire and of course is spread to 5 other campers before it was extinguished. After it was all settled the original campers insurance had to take care of the other campers involved 2 of them belonging to the rv dealer.

That's interesting. Thanks. Sounds like if yours causes it you own it