You are required under the state law to have different coverage for your RV. Bodily injury liability pays for medical expenses for other people if you are in an at-fault accident. Property damage liability pays to replace or repair damaged property of other people after an accident. Medical benefits coverage pays for medical expenses if you are involved in an accident, no matter who is at fault. While you can just get the minimum, keep in mind that your financial protection will be limited by how much coverage you buy. You can set your coverage limits higher so that you are less likely to pay out of pocket for claims.
Depending on how you want to use your RV, you will likely need more coverage. Speak with an agent at William M. L. Etter Insurance Inc. to discuss which options suit you best.
Collision coverage pays for repairs to your RV if you collide with an animal, object, or another vehicle. Comprehensive coverage pays for damage to your RV caused by flood, fire, weather, vandalism, or theft, whether it is parked at home or on the road. Roadside assistance can provide jump starts, flat tire services, and towing, which may come in handy when you are on a long RV trip. Uninsured and underinsured motorist coverage will pay for your property damage and medical expenses if the driver that is at fault is not insured or doesn’t have the minimum insurance that is required. Vacation liability can give you coverage for property damage and liability while your RV is being used as your temporary residence. Custom equipment can give you coverage for any aftermarket equipment and parts that weren’t originally installed by the manufacturer. Full-time RV insurance may be an option if you are using your RV as a permanent residence and don’t have another home you reside in.
Contact William M. L. Etter Insurance Inc. to get a quote on RV insurance.
