Truck Camper Liability Insurance
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โJun-10-2020 09:39 AM
We own an old truck camper. It's not worth much as far as property value and it has no VIN or serial number that I can find, so we haven't insured it in any way.
BUT, recently friends of mine were involved in a traffic accident with their tow behind RV. They are concerned they could be sued and held liable for another driver's injuries, who was involved in the accident. My friend was found to be "at fault" and was cited for the accident (although it was just a freakish wind incident). They are not sure that their regular RV insurance would cover this.
I would have the same concerns. What if my camper flies off the truck? (I realize this is VERY unlikely) We have NO insurance on it, so ...??
Just FYI - We have full insurance coverage for the truck and we have an umbrella policy, which I believe would cover us in this or most other crazy scenarios. But my friends are also concerned that their umbrella policy may not cover this.
Anyone out there have experience with such situations? Or is their an insurance person out there who can help me get the sort of coverage I might need on our old truck camper.
Thanks in advance!
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Truck Campers
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โJun-10-2020 08:08 PM
I would not bother. I wouldn't even inside ours except it is stored in the shop all year and if the shop somehow burns down, the camper isn't making it out alive...but don't have liability on it, just damage insurance since it's super cheap.
2017 Heartland Torque T29 - Sold.
Couple of Arctic Fox TCs - Sold
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โJun-10-2020 05:45 PM
04 GMC 1500 4X4X4, 04 Sunlite SB
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โJun-10-2020 04:31 PM
IMHO plywood or wheelbarrow will fly from your truck faster that TC, so if you are really paranoid about it - you should start here.
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โJun-10-2020 02:45 PM
2005 Lance 845 - Baby Bertha
2007 Chevy Silverado 2500HD Classic CC SB 4WD
Torklift mounts
Torklift superhitch
Hellwig swaybar and 3500lb helper springs
2002 Cobalt 226 "Baby Blue"
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โJun-10-2020 02:41 PM
1996 Jayco 376FB Eagle Series TT
1997 Jayco 246FB Eagle Series TT
1976 Ford F-250 4wd Mercury Marauder 410 - 4V
Regular cabs. The best looking trucks.
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โJun-10-2020 12:23 PM
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โJun-10-2020 10:37 AM
When camper is on truck and truck is moving, liability is covered by truck insurance.
When truck is parked and camper is on or off the truck, in storage or in a campground liability is covered by it's own insurance or homeowner's insurance. Not the truck's insurance.
Just saying. Check with your provider...
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โJun-10-2020 10:28 AM
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โJun-10-2020 09:46 AM