The United States is a beautiful place to explore. With the abundance of lakes, rivers, and camping destinations available, a motorhome is an ideal way to travel. You can ensure that you are financially protected if your RV is in an accident by purchasing RV insurance, just as you would for a car or a truck.
At the minimum, most state laws requires you to maintain the following coverage for your motorhome:
This pays for your medical expenses if your RV is involved in an accident, no matter who is at fault.
This pays medical expenses for others if you are at fault in an accident.
Pays to repair or replace the damaged property of others after an accident. Your financial protection is limited by the amount of coverage you buy. For instance, you may insure your RV for the minimum $30,000 in liability. If your settlement and legal defense come to $80,000, you must pay the remaining $50,000 out of your earnings and assets.
Your coverage limits can be set high above the minimum required by the state. That way you can rest assured that you will not have to pay out of pocket for a claim against you after a collision. A local agent can help you protect your motorhome with as much RV coverage as possible, for a price that suits your budget.
The RV insurance required by the state will only grant you a minimum of financial protection. Also if you financed your motorhome, you probably need to add collision and comprehensive coverage to meet the terms of your loan. The following types of coverage are not required by law, but can help you get back on the road quickly after an accident:
Pays for your medical expenses and property damage if the driver at fault is not fully insured.
Covers repairs for your motorhome if you collide with an object, animal, or other vehicles.
Pays for damage to your RV caused by fire, flood, falling trees, tornado, theft, vandalism, and other unexpected disasters, whether you are on the road or parked at home.
Provides towing, jump starts, and flat tire services which can come in handy on a road trip.
