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Old 08-14-2016, 06:09 PM   #11
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Even your own ins company will go after all cost and even get your deductible back . Had a guy hit me on my bike no ins . my company paid up i paid my deductible which they ended up collecting and paying back to me . no headaches no confrontations with dealers , let them work for you you'll be surprised at how good they are at collecting . made to whole issue very easy.they will get all moneys owed . get a list and cost of items and repairs give to your ins and let them do the work . you'll get 100% covered this way
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Old 08-14-2016, 06:12 PM   #12
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Check the dealership many RV and auto dealers have signs that say not responsible for theft on their lots. If the dealer used reasonable efforts to secure the lot and it was broken into as well as your TT, then it will most likely have to go to your ins co.
Not true. Posting a sign does not relieve a business of their fiduciary responsibilty. The signage is to make you think you are SOL.
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Old 08-14-2016, 06:44 PM   #13
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Not true. Posting a sign does not relieve a business of their fiduciary responsibilty. The signage is to make you think you are SOL.
Right. They can post a sign that says anything, but means nothing legally.
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Old 08-14-2016, 07:50 PM   #14
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First thing is to make sure a police report was filed.
Next, estimate cost of repairs against amount of your deductible - is it worthwhile making a claim with your insurer? Once you make a claim, your insurer will seek reimbursement for any money they pay as well as your deductible (which they will then give to you so you are out no money.) This assumes the dealer is negligent in allowing your RV to be broken into.
The dealer is not guaranteeing no damage will occur to your RV while in their care. Think of if you borrowed a friend's truck for the week-end and you are getting all the benefit. You would be expected to exercise a high degree of care, but not to the extent of posting an armed guard. They are required to take reasonable and prudent steps depending on circumstances. E.g., if a high crime area, kept behind a locked fence.
I can tell you from experience relatively few dealers/garages/lots carry garage keepers liability insurance (damage to customers vehicles left in their care) due to the cost.
If the dealer is negligent then you or your insurer can file a claim and the dealer would have to pay out of pocket.
Best of luck with your situation.
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Old 08-14-2016, 08:38 PM   #15
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Originally Posted by Flybob View Post
Check the dealership many RV and auto dealers have signs that say not responsible for theft on their lots. If the dealer used reasonable efforts to secure the lot and it was broken into as well as your TT, then it will most likely have to go to your ins co.
Just because one places a sign saying they are not responsible does not automatically get them out of anything.

Best example is gravel trailers that put a sticker on the back stating, "stay back 300' not responsible for windshield damage" does not get them out of breaking your windshield with a rock that falls from their truck while their truck is in motion.

Depending on the state I would like to say that the dealership is partly responsible for what happens on their lot when their employees "secure" your vehicle. Not to say of course the crooks could have broken or pryed open the deadbolt as well. It would be worth a shot to call for me, who works 50 hours a week. If I hit a brick wall I could fall back on my insurance. I've always found out that small stuff covered out of the insurance hands fairs better for resale.
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Old 08-14-2016, 08:40 PM   #16
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I see this thread has the possibility of rapidly causing the end of mankind.
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Old 08-14-2016, 08:48 PM   #17
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Thanks for everyone's replies already, really appreciate it! We have the police report filed and with a full listing of what was missing. We really want to stay away from opening a claim on our insurance since it was out of our hands.

Will try to get their insurance information, but I don't think they will just hand it over since they already said it shouldn't be on their claim.
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Old 08-14-2016, 09:15 PM   #18
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My advice... don't take "legal" advice from an Internet forum.
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Old 08-14-2016, 09:59 PM   #19
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My advice... don't take "legal" advice from an Internet forum.

What he said!!


Regarding the sign...a posted sign like that doesn't mean much, BUT what did you sign when dropping off the vehicle? A disclaimer signed by you is a very powerful document to be used against you.
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Old 08-15-2016, 12:06 PM   #20
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Agree. The dealer's Garage Keeper's Liability Insurance should cover your losses but I would just turn it into my insurance and let them fight it out. Shame on the dealer for not handling this on his own. If I where him I would just pay for it otherwise his insurance is going to rise probably by a larger amount than the claim.
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