Question 1 of 20
Walk me through how you would adjust an RV accident that produces both damage to the insured motorhome and a third-party liability claim.
Strong Interview Answer
I would open separate coverage analyses for the motorhome's physical damage and the third-party liability exposure. I would confirm the covered RV, insured status, cause of loss, deductibles and limits for physical damage, then independently investigate liability, damages, exclusions, and defense/settlement terms rather than treating the RV policy as one pooled coverage.
What to Listen For
- separate physical-damage and liability analyses
- covered RV and insured status
- deductible/limit application
- liability investigation
- actual RV policy wording
Caution
A strong answer does not assume an RV policy is identical to a personal auto policy or that one limit handles both exposures.