An RV can be an excellent way to travel and enjoy family vacations. Still accidents happen so having RV insurance is an excellent way to protect your family and friends when traveling. In most states you have to have insurance to drive your RV. When you have an accident insurance protects you from lawsuits from others who may be injured or killed. Also, damage to your RV is expensive so having insurance will help with the cost of repair.
You are traveling along the highway on the way to a destination. You collide with a smaller car and have an accident. They hit the RV from the side. No one is seriously injured but a woman in the other car complains of whiplash. She could ask for you to pay medical expenses so having insurance helps you with the huge costs an accident with an RV accrues. Another factor is many policies offer roadside assistance so that if you break down you will get help. Sitting on the side of road with a flat tire with no coverage should be a situation you would want to avoid. Often RV insurance is inexpensive or cheap insurance.
Also, RV’s are personal property and you may eventually want to sell it. Having insurance will help you make repairs, add custom features, and keep in good shape. You may travel and live in the RV part of the year so you will want it to be in good condition for your family and friends. RV insurance is cheap insurance so it is sensible to have it insured. Certain parts that RV’s have like awnings, stairs and appliance will be covered with this insurance.
What is RV Insurance?
RV Insurance is coverage that protects not only the vehicle itself, but much like Homeowners Insurance, most of the contents within. Some of the types of RV insurance include coverage for permanently attached parts. This means that anything attached to the RV can be replaced if damaged. Some items might be wheelchair lifts, satellite dishes, or tow kits. Another insurance is RV replacement when your RV is totaled in an accident. You can have it replaced so that you can continue to enjoy traveling and vacations.Personal items that are lost, stolen or damaged in an RV are often covered too.
Before you purchase your RV insurance policy, it is good to know a little about this type of insurance and, as always make sure you look for the best RV Insurance Agency in Los Angeles, Stockton, Oakland, San Francisco, or Sacramento.
- Bodily Injury and Property Liability covers you for liability for injury to others and property should you run into a house or through a fence. It covers medical bill of others and damages you may have to pay because of the accident with an RV.
- Medical Payments will pay the cost of medical bills that you incur because of an RV accident. This often means no matter who is at fault.
- Uninsured and Under Insured Motorists option cover you when you have passengers or hit someone with not enough insurance to cover their bills. This happens more often than you think.
- Comprehensive and Collusion often involves the market value, agreed value or total replacement when the RV is totaled and in an accident.
- There is even Roadside Assistance and even Pet Injury options.