This question was answered based upon current rules, regulations & statutes in effect on May 1, 2019
My insured has a fifth wheel that he keeps at a campground for the summer. I know under the auto policy, it states if used as residence it is not covered. It also says it will be considered vehicle if used for recreational use. My insureds go on the weekend and stay in their trailer. Is this considered recreational and therefore would be covered under the Mass auto policy? Thanks.
Irene Morrill: The 2008 and 2016 MAP defines auto as:
4. Auto - means a land motor vehicle or trailer but does not include:
A. Any vehicle operated on rails or crawler treads
B. Any vehicle of trailer while it is located for use as a residence
or premises. We will consider such a vehicle to be an auto while it
is being used on public roads or for recreational use.
A trailer used as a residence is not an auto and therefore not covered by the MAP
Camping for a couple weeks or even a month … one can argue …it’s “gray” when they leave it for an entire season and certainly not covered when kept year round. You really need to ask your carrier what their intention is towards this provision …before a claim
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