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Do You Maintain Sufficient RV Insurance?

Today, recreational vehicle owners in large numbers maintain RV insurance policies. While obtaining auto liability insurance (and/or RV liability insurance) poses a requirement in most states, this type of insurance also sometimes covers a wide array of potential losses and forms of property damage. Different insurance companies vary widely in the policies they offer. This brief article explores RV insurance and the different types of losses covered by various RV insurance policies.

RV Liability Insurance

Most people considering becoming RV sales customers possess some familiarity with auto insurance. Today, the vast majority of states in the USA require all licensed drivers to maintain specific minimum levels of vehicle liability insurance. This coverage helps pay the claims of other people who sustain losses or injuries if they become involved in an accident with the insured. Most states require drivers of recreational vehicles to maintain liability insurance, too. Depending upon the jurisdiction, a driver may purchase specific RV liability insurance, or obtain this coverage as an endorsement on an existing auto liability insurance policy.

In evaluating your current RV liability insurance coverage, one fact deserves special consideration. Many recreational vehicles weigh considerably more than typical cars or light pickup trucks. A collision involving an RV holds the potential to inflict a lot of damage.(1) For this reason, RV owners sometimes prefer to purchase higher than minimum required levels of RV liability insurance. Taking this step may help ensure an RV owner deemed at fault for causing an accident obtains sufficient coverage to help protect against large claims. The RV owner in this situation carries the responsibility of paying any expenses that exceed the liability coverage limits. It usually makes sense to discuss this issue carefully with your insurance agent.

Additional Types of RV Insurance Protections

Today, many companies reportedly offer comprehensive RV insurance coverage for some types of accidents and losses. The availability of this coverage varies widely, based upon a variety of considerations. These factors include the insured’s age and driving record, the location, and the record of any past claims. Comprehensive coverage typically pays actual out-of-pocket losses incurred after the deductible and within the applicable claim limits. What types of losses can owners of recreational vehicles with comprehensive insurance seek to cover? Although individual policy provisions vary based upon the insurance company, in many cases policies cover damage to the RV produced by hail storms, thefts, or collisions.

RV owners sometimes purchase uninsured/underinsured motorist coverage, too. This form of RV insurance helps protect them against losses they sustain as a result of accidents caused to them by other drivers who lack adequate insurance coverage. Nationwide, the numbers of drivers without insurance has risen sharply in the United States during recent years. One study conducted in 2015 reported one in every 8 drivers lacks any auto insurance.(2)

Special Coverage Issues

RV owners who search carefully for RV insurance also sometimes obtain policies covering specific types of losses within specified limits.(3) A few of these items include:

  • Towing costs after a roadside breakdown;
  • Coverage for injuries to people visiting your campsite i.e, “vacation liability” expenses;
  • Coverage for pet medical expenses after a collision;
  • Coverage for vehicles or golf carts towed behind an RV;
  • Coverage to pay for living expenses and travel costs if an accident occurs during a trip in an RV;
  • Coverage for personal property items transported in a recreational vehicle.

RV owners interested in obtaining these specific types of insurance policy protections should discuss their concerns with their insurance agent. Most experts agree failing to cover important personal property items sufficiently and failing to obtain adequate roadside assistance coverage pose two common complaints.(3) Consumers sometimes need to search diligently to find insurance firms willing to furnish the coverage they prefer, however.

A Highly Individual Matter

In the final analysis, obtaining RV insurance coverage closely resembles locating auto insurance. RV owners vary widely in their ability to qualify for desired insurance protections. They may also seek variable deductibles and policy limits. While everyone does need a certain basic minimal level of liability insurance, it proves helpful to carefully review different policy provisions offered by individual insurance companies. Making this extra effort helps RV owners discover the best insurance policies for their unique needs.

Further Information

To learn more about becoming an RV owner, contact Pedata RV Center at https://www.pedatarvcenter.com/. We serve customers in Arizona and across the USA. Visit us online or call 1-888-545-8314 for assistance. We look forward to helping you!

Source Information

1. https://www.trustedchoice.com/rv-insurance/motorhome-coverage-faq/
2. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
3. https://www.bankrate.com/finance/insurance/rv-insurance.aspx

RV Sales – New and Used RV Dealer Online – Pedata RV Center – RV Insurance: Rates on New and Used RVs

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Even if you’re not in Arizona, you can buy from Pedata with confidence. We are a full-service dealership and can help you get the best RV insurance rates available nationwide.

Quick RV Insurance Quotes
Don’t Let other companies fool you with regular insurance. You DO NEED specialized RV insurance for your motorhome or towable recreational vehicles. Apply today for RV insurance and get a FREE quote on coverage for your new or used motorhome.

Progressive RV Insurance
First to offer instant online RV insurance quotes. Plus they have specialized RV insurance coverage that most companies don’t even offer, for new and used RVs. That’s why they’re America’s #1 online RV insurance company.

RVAA : Specialized RV Insurance
Buying an RV isn’t like buying a car. It’s an investment in freedom, fun, and a way of life. Nobody understands that better than RV Alliance America, the RV insurance provider that invented specialized coverage for RV owners in 1966.

RV America
They have been providing specialized RV insurance coverage for more than 20 years and know what kind of RV insurance recreational vehicle owners need and how much they care for thier motorhomes. They offer specialized red white and blue specialized motorhome coverage with unlimited motorhome towing, total RV loss replacement, full-timer RV insurance, RV insurance for attached RV accessories, and motorhome trailer coverage.

Foremost Insurance Group
At the Foremost Insurance Group of Companies, they have developed specialized insurance programs for motorhomes that provide the kind of RV insurance coverage to give you real peace of mind, so you can sit back and enjoy your trip.

Explorer RV Insurance
Explorer RV insurance products and services are specifically designed for the RV lifestyle while remaining up to 15% less costly than our largest competitors.

Personalized RV Insurance
Recreational vehicles such as motorhomes and travel trailers have special insurance needs. Here, you will find information and tools to help you find the right RV insurance policy for your needs, whether you have a new or used motorhome.

RV USA Insurance
Click here for a list of other RV insurance providers. All are proud members of RV USA.

RV Insurance Quotes
If you are wondering whether you can afford the insurance on that new or used RV, travel trailer, pop-up trailer, fifth-wheel trailer, motorhome, camper, or other RV, look no further. Instant RV insurance quotes are available in 45 states without cost or obligation – FREE!

Pedata RV works very hard to make sure all the information provided on this website is accurate; however, different products, descriptions, promotion programs and services may change at any time from those listed on this site. All advertised promotional discounted rates and payments can change without notice, and applicants must be accepted by the funding bank, which typically includes, but is not limited to, high scores, debt to income ratio, down payment and loan value. All of our prices listed on this site are subject to change without notice, and do not include tax and other applicable fees. All technical data, product information, program information, photographs and illustrations are intended to be useful information available to Pedata RV at the time of posting, and are subject to change without notice. The RVs on this site may be staged with various props for display purposes only that may not be included with the purchase.

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