With the sun finally shining, it’s time to dust off your RV and book those camping grounds! Here’s some info about RV insurance. If your RV has a motor and is self-powered, your RV insurance policy must have liability coverage, regardless of the vehicle’s age. If your RV is a travel trailer, then liability coverage won’t be available because you can’t drive the trailer. However, you are required to carry liability coverage on the automobile that’s towing your trailer. RV liability coverage is crucial when camping to protect against potential accidents and injuries, ensuring financial security in the great outdoors. This part of the insurance typically covers bodily injury and property damage for which the camper might be accountable for.
Say a fellow camper accidentally stumbles over a stray tent peg or gets hurt at a badly kept campsite. Liability insurance helps pay for these costs in the case that such occurrences result in medical bills or lawsuits, sparing the RV owner from having to bear the financial burden. Bodily injury liability pays for medical expenses incurred by other drivers or pedestrians that result from an accident you cause. Property damage liability can cover damage to objects, vehicles, and other personal property. For example, if you lose control of your RV and hit a parked car or a fence. Liability insurance offers a safety net for unanticipated incidents. Having this coverage ensures that campers can enjoy the outdoors with peace of mind, knowing they are financially protected in case of accidents.
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