Mud-stuck motorhome: comprehensive insurance does not cover towing damage
A motorhome driver drove onto a grassy area, got stuck in mud, and was pulled out by a tractor. During the maneuver, the motorhome collided with the t...
A motorhome driver drove onto a grassy area, got stuck in mud, and was pulled out by a tractor. During the maneuver, the motorhome collided with the tractor because the brakes failed. The insurer denied the comprehensive claim. The Munich Higher Regional Court (case 10 U 1638/25e) ruled that under the standard motor vehicle insurance terms (AKB, July 2023), damage between a towing and a towed vehicle is not covered unless an external force intervenes.
