For us at Hart Insurance in Federal Way, WA, RV insurance has several types of coverage. Although some types of coverage are optional, we will base this article on only the basic coverage. So, here is what RV insurance basically covers.
Bodily Injury Liability
If you cause an accident with your RV and someone gets injured. It is your legal responsibility to pay the hospital bills of the injured person. Also, if the injury sustained will prevent him from working, you should also pay him for loss of income. With your RV insurance policy in hand, this coverage will provide funds for both settlements.
Property Damage Liability
Using the scenario above, we have talked about paying the medical bills of the injured person. There’s something left. In an accident, all the vehicles involved usually encounter different degrees of damages. So, this coverage will provide the funds to fix the third party’s damaged vehicle. Even if it’s not a vehicle, this coverage will repair the property as long as you were the one who caused the damage with your RV.
If you get involved in an accident and your recreational vehicle gets damaged, this type of coverage will provide the funds to fix the vehicle, whether you’re at fault or not. It also applies to the scenario described above. The other two types of coverage described above are meant to take care of the victims of the accident that you caused, but collision coverage will fix your vehicle.
Without getting involved in an accident, it is still possible for your RV to get damaged. It could be vandalized, stolen, or razed by fire. Storms, floods, and other natural disasters could also wreak havoc on your RV. This coverage will take care of your vehicle when any of the perils happens.
When you’re involved in an accident, regardless of who’s at fault, this coverage will pay your medical bills and that of your passengers, if any.
For more information on RV insurance, contact Hart Insurance in Federal Way, WA, or book an appointment with us.