Insurance

[bobquest]

Just to be clear I need to know that if I was camping at a state park or provincial park and a large tree limb happened to fall on my TRAVEL trailer, who is going to pay my damages????? Does this also apply to a privately owned park??
I have had discussions about this with friends but it has to be answered correctly for piece of mind.

[dmac1951]

I would think your insurance company would pay. You would probably have to prove negligence on their part for them to pay.

[lgray]

It would likely be your insurance for both. It is then your carrier’s job to subrogate your damages from any at fault third-party. It would likely be seen as an “act of god”, unless you can prove the campground had knowledge that the tree was dead, compromised structurally making it as risk to fall and failed to take action. As a camper, you are a “Business Invitee” which raises the duty/expectations of the campground management to ensure a safe environment. Good news is that this type of loss should not impact your premium.

[BobandArlene]

Your insurance should pay.

Ask your insurance provider for clarification. They will have far more useful (valid) information than friends.