If you have an RV and plan to use it at all, you are going to want to buy insurance for it. You need it to protect your family (and your liability), just in case anything happens while you are out having fun in your RV.
So, what does your insurance cover?
Bodily injury liability. This will cover any medical bills that occur if you have an accident while you are in your RV. It may also help to cover the loss of income due to injuries.
Property damage liability. This will cover any damages that occur to the other vehicles that may occur in an accident.
Collision. If you have collision insurance, it will cover the cost to fix or replace your RV, no matter who caused the accident.
Comprehensive. Comprehensive insurance covers other damages that may occur to your RV, including theft, damage due to fires or storms, and other things that may happen.
Uninsured and underinsured motorists. This insurance will protect you if you get in an accident with someone who doesn’t have insurance (or doesn’t have enough). It will help cover any expenses that may occur. It will even cover hit-and-run accidents.
Medical payments. This will cover your medical bills if you are involved in an accident, no matter whose fault it was.
Most states require you to have bodily damage liability, property damage liability, uninsured motorists, and underinsured motorists. You may not need to have collision or comprehensive insurance, though it is a good idea if you have an expensive RV that you can’t afford to fix.
To make sure that you are fully protected, no matter what happens, contact us today at Deluxe Insurance Group (Duluth) in Duluth, MN.