Trailers Parked for Season

    Posted by MAIA on May 16, 2019 12:01:00 AM

    QUESTION

    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.

    ANSWER

    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

    This document is not a legal opinion and should not be relied upon as such. The intent of this document is to provide a general background regarding the topic or topics discussed, not to provide legal advice. Producers and agencies should consult an attorney regarding specific situations and specific questions with respect to the topic or topics covered in this document. Neither the Massachusetts Association of Insurance Agents, Number One Insurance Agency nor any of its employees shall be responsible for any errors or omissions regarding any statements made in this document, nor any errors or omissions regarding any statutes, regulations, court rules, and/or any other government documents cited in this document.

    Topics: Personal, 2019

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