Campsite Liability - insurance issues

[MobileBasset]

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?

[Terryallan]

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.

[dodge_guy]

Ever here the term "insurance poor"? That's when someone has so much insurance they can't afford to do anything else!

[majorgator]

With all this worrying, probably best just to stay home.

[gbopp]

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

[Walaby]

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

[bid_time]

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.

[B_s_Bunch]

Where we are at requires 300, 000.00 liability. We rent by the year. We have 1 million in coverage

[bid_time]

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.

[et2]

Perfect reason for not liking strangers and kids using your campsite as a pathway. Now your liable for them tripping over your chairs or what ever else you leave out.

[the_vfox]

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

[darsben]

Terryallan 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

[Bumpyroad]

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

[Terryallan]

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

[Old-Biscuit]

When we FTd we used National Interstate and had a 'home owners' policy plus truck/rv comp/collision/liability

Now that we weekend camp.....just normal truck/rv comp/coll/liability

National 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.

[Anmacc2]

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.