What Does RV Insurance Cover?

If you own an RV, you know that taking care of it is important. You want to make sure it’s always in good condition and ready for your next adventure. One way to do this is by having the right RV insurance policy.

But what exactly does RV insurance cover? This post will take a look at some of the common types of coverage available for RVs.

Collision Coverage

Collision coverage helps pay for any damage caused by a collision with another vehicle or object, such as a tree or fence post. This type of coverage can also help pay for repairs if your RV rolls over due to bad roads or other conditions beyond your control. 

It’s important to note that collision coverage only applies to damages incurred while driving, not when the RV is parked.

Comprehensive Coverage

Comprehensive coverage helps pay for any non-collision related damage that may occur to your RV, such as theft, vandalism, fire, hail, windstorms, and flooding. It also covers damages caused by animals and falling objects like trees and branches. 

Comprehensive coverage can be very helpful if you live in an area prone to natural disasters or other inclement weather conditions.

Personal Belongings Coverage

Personal belongings coverage helps protect your possessions while they are stored inside your RV, such as clothes and electronics. 

This type of coverage will typically cover up to a certain amount per item as well as all items combined in total – usually around $3,000 per item and $10-15,000 in total value depending on the policy you choose. 

You can discuss this further with an insurance agent, like those at Del Toro Insurance Cutler Bay FL.

Personal Injury Protection (PIP) Coverage

Personal Injury Protection (PIP) coverage helps protect you from medical expenses associated with injuries sustained during an accident involving your RV. 

Commonly referred to as "no-fault" insurance, PIP covers medical bills regardless of who was at fault during the accident – even if it was you! PIP can also help cover lost wages if you cannot work due to injury sustained during an accident involving your RV.

Having the right kind of insurance for your RV is important; it not only protects you financially but also gives you peace of mind knowing that you are covered against any potential accidents or damages that may come along with owning an RV. 

When shopping around for different policies, be sure to read through them carefully so that you understand what each type of coverage entails and how it can benefit you in case something unexpected happens while out on the road. 

With the right policy in place, all that’s left is planning adventures and hitting the open road!

Items Your Car Insurance May Cover That Saves You Money

Car insurance is more than just a requirement, it is also a financial product that can save you quite of bit of money when you have the right coverage. As you are comparing auto insurance quotes, it is important to compare all of the coverage options so that you build a policy that does more than just satisfy state requirements. If you are a wise consumer, you can build a policy that saves you money in several different areas of car ownership. Here are five ways that you can save with a comprehensive policy: 

Rental Car Costs

If you are involved in an accident and your vehicle is disabled for 1 or more days, the cost of renting a car while your vehicle is being repaired can break the bank. Insurers offer loss of use, otherwise known as rental car cover, which will pay for a rental up to a specified amount per day. This can save you quite a bit when you need a replacement vehicle to commute or run errands. 

Windshield Repairs and Replacements

Windshields are made of glass, and from time to time glass will break or crack. Because a crack is an obstruction that can affect visibility, insurers will cover the cost to replace windshields minus the policy's comprehensive deductible. As long as you get repairs done through an approved glass company, you can have the claims payment sent directly to the glass company. For example, All-West Glass Ltd., a company offering windshield repair in Edmonton, will file glass claims for their customers to make the process as easy as possible. 

Body Damage Repair

There is nothing worse than being at-fault for a fender bender and not having collision coverage. If you have collision coverage, you will have peace of mind in knowing that the cost to replace body parts and repaint your vehicle will be covered. You may have to pay a deductible, but this is a far cry from having to pay for the entire bill. 

Towing and Roadside Assistance

You do not have to sign up for the CAA just to be safe when stranded on the side of the road. If you need a tire changes, gas delivered or a tow, having Roadside Assistance cover on your policy is a blessing. By calling a designated number, you will have a covered service call that will not cost you a pretty penny. 

Personal Injury

Personal Injury Protection or PIP, is something you can add to your car insurance that covers medical expenses and many times, lost wages. Having Personal Injury Protection insurance helps you receive maximum benefits whether or not the accident was your fault. Personal Injury Protection can also cover medical transportation. 13 states in the US make it mandatory to have Personal Injury Protection insurance: The District of Columbia, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah. 

Help Pay Your Loan/Lease

If you have financed or leased a car and the amount you owe is greater then its worth, Loan/Lease Pay-Off coverage will help pay the difference if you car is totaled. This makes it easier for you to buy a new car and have more money in your pocket.

Insurance may be an expense in some ways, but it also an investment in peace of mind. If you ever need to file a claim, you will be happy that you made the choice to carry optional cover that keeps your long-term expenses low.