RV Insurance

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It is a wrong assumption to believe that because you have an auto insurance policy that it will cover an RV and whilst there are many parts which are common to both some are not covered and that is why an RV policy is necessary. Some people may find it difficult to differentiate between the two but nevertheless, there are a number of basic coverage’s that will need to be added to provide good protection. There are two sections that need to be looked at, those of liability and physical damage; whilst almost all RV’s will have a certain amount of coverage, liability coverage for trailers and those with 5th wheels do not.

For more information on the exact nature of coverage within the area of liability it is a good idea to check put this information at the state Department of Insurance as there are a number of distinct areas that need to be investigated from property damage to bodily injury. Each state has its own department of insurance consumers guide and a very good website that can provide all the information you require.

If you have taken out third party coverage then you should (but check anyway) automatically have protection for other passengers in your vehicle that are not family members should they become injured. The third party coverage will also ensure the operator or owner (if they are different) is protected should an issue arise regarding the maintenance or ownership of the vehicle. It is very important to select a limit that is high enough to protect your assets as you may be responsible for any amounts, related to injuries received to the third party, over and above the limit on your insurance policy.

You will also find that having third party protection covers damage to property belonging to another, even their vehicles. RV insurance policies with bodily injury and property damage allow for a combined upper limit for any claims or they can be slit to adjust each on independently. It can be split any way between injured parties and damaged property travel trailers and because 5th wheel trailers liability follows the unit towing the trailer, no additional cover are not necessary. Where a driver of another vehicle is either uninsured or underinsured but should a person be injured, then ‘uninsured motorists’ protection will cover this situation. If the driver of a vehicle has insurance but it will not cover costs in a claim then third party cover will make up the shortfall. A policy that has UM and UIM I able to set the claim limit for each section separately if required. This is quite a complex subject that can easily be explained with the help of the department of insurance website should anything here be unclear.