A Recreational Vehicle, or RV for short, is a vehicle built primarily to be self-contained and mobile, which includes vocationally designed vehicles such as motorhomes. RVs are also used in recreational pursuits like camping. If you own an RV (such as a travel trailer, fifth wheel, or motorhome), there are some things that you need to know about insurance coverage.
Recreational Vehicle insurance covers damage to your vehicle, but it also covers you in several other ways. RV owners may be wondering what recreational vehicle insurance covers. Serving at Santa Monica, CA, Express Financial & Insurance Services is more than willing to offer the much-needed information on Recreational Vehicle Insurance coverage needed for your Rv. Below are some of the coverages that may be included in a recreational insurance cover.
This type of insurance helps pay for damage to another person’s property, or for an injury they may sustain in an accident if you are deemed responsible. It also covers the legal fees and court costs for a suit brought against you.
If your motorhome is damaged in a crash involving another vehicle or object, this type of coverage will pay for repairs to your RV, minus your deductible amount.
This type of insurance will pay to repair or replace items not involved in an accident, including vandalism on your RV.
Uninsured/Underinsured Motorist Coverage
This type of coverage helps cover your medical expenses and other costs if you are hit by a motorist who does not have liability insurance or is underinsured.
Rental Reimbursement Coverage
If your RV is being repaired and is not available, this type of insurance will reimburse you if you have to rent a replacement vehicle.
Medical Payments Coverage
This reimburses medical care expenses for you and all passengers involved in an accident, regardless of who is at "fault", providing there is no evidence of under-insurance or uninsured motorists. To qualify, the medical expenditures must be a direct result of bodily injury sustained while occupying your RV as a driver or a passenger.
Emergency Roadside Assistance
This is optional coverage will help pay for locksmith services and towing costs if your RV breaks down.
In general, recreational vehicle insurance is the coverage you need to consider seriously when purchasing your RV. Express Financial & Insurance Services serving Santa Monica, CA has got you covered and is ready to assist you further on the policy.