As a manager of an RV park in and around Houston, TX, ensuring guest safety is paramount. However, even with the best precautions, accidents may still occur. Following specific procedures and gathering essential information to resolve the issue smoothly is crucial in such situations.

Overview of Liability Coverage

Liability insurance covers medical expenses, legal defense costs, and settlements should you be found liable for any incidents. It’s crucial to fully understand the terms of your liability coverage, including the limits and any potential exclusions, to be adequately prepared should an injury occur to a guest.

Collecting Evidence Following an Incident

In the unfortunate event of a guest injury at your RV park, immediately ensure the guest receives the needed medical attention. Once immediate needs are addressed, commence with documenting the incident. This includes taking photographs of the accident scene, collecting statements from any witnesses, and recording any additional pertinent details, such as the timing and prevailing conditions of the incident.

Informing Your Insurance Provider About the Accident

Swiftly contact your insurance provider to report the incident. Provide them with all the evidence gathered, including photographs, witness statements, and a detailed narration of the incident. To assess the claim accurately, they may request supplementary information like medical records or maintenance logs for the specific location of the incident.

Cooperating with the Claims Adjuster

An insurance adjuster investigates by reviewing the collected evidence. It’s vital to fully cooperate with the adjuster as their findings will dictate the final amount the insurance provider will payout.

Settling the Claim

Following the investigation, your insurer will determine whether you’re liable for the guest’s injuries. If liability is established, your insurance coverage will cover the ensuing costs up to the limits specified in your policy.

Outdoor Insurance Services: Your Trusted Insurance Partner

At Outdoor Insurance Services, our team brings their expertise to all your insurance needs. We proudly serve Houston, TX, and the surrounding areas. Contact us today to learn more about how we can assist you.