Liability for Third Party Injury at Campsite
The insured has a camper which is hauled to a rented campsite by a personal auto, unhooked from the vehicle and parked.
A third party trips and falls over personal property on the site or coming down the steps from the camper( injury on site). Where does the liability come from, auto or homeowners?
What about the same scenario, only with a camper or travel trailer that does not carry liability as it extends from the vehicle trailering to the site?
Ohio Subscriber
As for liability arising from a fall on personal property on the campsite, the insured should look to his HO's policy for coverage. The scenario you described has nothing to do with a motor vehicle as you described it.
As to the second part, if a camper or travel trailer is unhooked when the fall occurs, this would also be covered by the HO policy. If you look at the definition of motor vehicle under the HO policy, it applies to any trailer which is being carried on, towed by, or hitched for towing by a motor vehicle. So, if the trailer is not hooked to the vehicle, the definition of motor vehicle is not met and the HO exclusion about motor vehicle liability does not apply since this is not a motor vehicle as defined in the policy.
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