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QUESTION: i was pulling my rv off property when i hitched up and started rolling the fifth wheel unhooked and crushed my truck bed then after rehitching and leaving the top of my rv tore off guys entrance gate i know bad day anyway i filed claim on rv insurance they are covering entrance and rv damage but said truk not covered is he right i only have liability on truk so thank you for your time

ANSWER: Cary,

  If the truck policy is the one handling (and it's only liability), then it is true that there is no coverage for the damage to the truck itself.  

Justin

---------- FOLLOW-UP ----------

QUESTION: The rv policy is what I'm using for damage to rv and entrance I know truk policy won't my questin is should rv policy cover truk damage thank u

Answer
Either way, it is unlikely the truck damage is covered.  Trailer policies can be complicated and vary widely in what they cover.  There is no way for me to answer your question without seeing the applicable policy/ies.  

It is difficult to explain how damage claims work because it requires being very knowledgeable about the different in tort and contract liability.  To be sure you have used all available coverages, you'll have to locate all your policies and read them, or have somebody else you trust read them and interpret them for you.  Normally in a case like yours, the RV policy would pay (minus deductible) for the damage it sustained, and your truck policy would pay for the entrance.  Liability for the entrance would be on the driver of the truck, and the truck's policy covers that.  You can't be liable to yourself, though, so no coverage for truck damages to itself.  If the trailer policy covers the entrance, it would be unusual.

I hope that helps clear it up.  

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Justin Petty

Expertise

Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.

Experience

Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

Organizations
NASP (National Association of Subrogation Professionals) AllExperts.com (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

Publications
10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

Education/Credentials
School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author (EzineArticles.com) All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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