Coverage That's Required

rv driving across the rocky southwest

Liability — Bodily Injury
The reason you bought an RV is to take it on the road and see the country. But if you cause an injury accident, you could be held legally responsible for the medical bills of those who are injured, which most people can't afford. For this reason, most states require a minimum amount of bodily injury liability coverage for each driver to help pay for medical expenses and legal fees that may be incurred as a result.

Liability — Property Damage 
What would you do if you accidentally drove your RV into someone else's home or a business? Or what if you swerved to avoid hitting a dog, but you knocked over a mailbox, hit a tree or hit a parked car instead? These things really do happen, and they are why most states require you to have at least a minimum amount of property damage coverage. You could be held legally responsible for the cost of repairs or replacement, and while a mailbox may be an inexpensive fix, a building or house may not be. Property damage liability coverage can help pay for these expenses as long as the property isn't owned by you or a member of your household.

Uninsured Motorist – Bodily Injury
Every state requires RV owners to have at least a minimum amount of liability insurance, but not every driver has it. If someone who does not have auto insurance causes an accident and you are injured as a result, the at-fault driver may not be able to help pay for your medical expenses. Your uninsured motorist coverage will help you pay your medical bills in this situation.

Coverage That's Optional

Collision
Poles. Guard rails. Tree limbs. Collision coverage helps you fix your RV if it gets damaged because you ran into something or something ran into you, regardless of fault. Although collision coverage is not required by law, if your RV is financed, your lender may require you to carry it.

Comprehensive
Deer, hail, floods, theft, falling objects and fire are all examples of things that can cause damage to your RV that may not be included in collision coverage. Comprehensive coverage helps you pay to fix or replace your RV for most damage not covered by collision coverage. Of course, there are exclusions, so read your policy and talk to an independent agent about AmShield's coverage. Just like collision coverage, comprehensive coverage is optional in all states unless it is required by your lender.

Medical Payments
Hopefully your travels are accident-free, but if you are involved in an accident and there are injuries, you may be liable for medical or funeral expenses—which can add up quickly these days. Although most states do not require you to carry medical payments coverage, it can help you pay for these expenses so they don't become a burden to you.

Underinsured Motorist
If you are ever injured in an accident caused by a driver who only carries the minimum amount of insurance required by state law, the coverage may not be enough to cover your medical expenses. You could sue the at-fault driver for the difference, but they may not be able to pay. That's why you may want to consider adding underinsured motorist coverage as an endorsement to your policy.

Rental Reimbursement
Has your RV left you on foot far away from home due to theft or repairs from an accident? Rental reimbursement coverage pays for your rental car so the temporary loss of your vehicle doesn't put your vacation on hold too.

 

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