? Re: RV Insurance

Timmy Mac

New Member
I have a 2002 27' Laredo 5th wheel with double slides. I had it parked for the fall and winter at a campground in Frankfort, KY as I had limited space at my home and, since I was working in the Frankfort/Lexington area as well, my girlfriend and I would use it for an occasional winter get away.

Another older class C motorhome was parked next to it. The owner of the class C was staying it regularly. While at home in Indiana in the early morning hours of Dec 4, 2004 I got a call from the campground owner informing me that the class C had caught fire, exploded, and severely damaged the side of my 5th Wheel. The class C's owner was in it at the time but escaped without injury.

His insurance has refused to pay for any damages to my RV as they have determined that he was not responsible for the fire. My question is, is this customary practice with RV insurance?

I have had to file a claim with my insurance to have mine repaired. The repair cost estimates are in excess of $20K so my insurance company has "totalled" my RV. This means that the title on it will be a "salvage" title. Indiana law says that I can't re-license it on a salvage title and as such I can't pull it back to Indiana. What a mess!!!

Does any one here have any experience with this type of thing?