John S Peschken (jpeschken@JUNO.COM)
Sat, 19 Jul 1997 09:56:56 -0500
OOH! We just spent a lot of time working this one out. It seem like some
of the licensing issues may vary by state, but here's what w did here in
>Who owns the Trailer and how is it titled?
It is titled to the Troop.
>Who pays for Trailer licence fees, maintenance, and upkeep?
In our case, the troop does.
>Is separate insurance required or is the Trailer covered by the
>property insuance (homeowners) where it is stored, or by the vehicle
that >is towing it?
Whether or not the trailer is covered by the insurance of the person in
posession of it depends on that individuals policy. We found that some
of our leaders policies covered everything, some coverred the trailer
only (but not the contents), others nothing at all. Also, once you
unhitch that trailer from the vehicle, it tends to lose any coverage
provided by that vehicle, and the insurance (or lack thereof) of the
owner of the property it sits on takes over. Also, the insurance
provided by the towing vehicle tends to be for accident liability only,
not for fire, vandalism, or replacement of the contents. We inventoried
our trailer, and decided it would cost us about $3,000 to replace the
contents. A fire, theft or vandalism would be a devastating blow.
We contacted the local council, and asked what most troops do. They said
that the trailer is most often stored on the Charter Organizations
property, owned by the Charterred Org, and covered by their insurance.
In our case, the CO had no interest in participating. Our trailer is
stored at leaders homes, or places of business.
Looking at the mish-mash of coverage provided by other peoples insurance,
we decided to seek our our own insurance. We got comprehensive
protection against theft, fire, vandalism, etc for $120/year.
>In the event of an accident would the Troop pay for the deductable?
We're planning on it.
Maple Grove, Minnesota
Terry Howerton Sakima Group, Inc. SCOUTER Magazine Kansas City