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Are you aware of what your recreational vehicle insurance policy covers and does not cover? Review the information below. It will familiarize you with the types of situations that will require an insurance claim to be filed.

Coverage Types

Liability Protection

Liability protection prevents legal expenses from spiraling out of control and handles costs associated with repairing a vehicle or property. For instance, your liability insurance will protect you if you drive your recreational vehicle and hit another motorist’s vehicle.

Loss Of Use

Your recreational vehicle insurance policy may cover loss of use. This coverage applies to any damage that makes your vehicle inoperable. It will pay for vehicle repairs and may also cover the cost of purchasing a replacement RV.

Exclusions

Improper Care

Maintaining your recreational vehicle is your responsibility. If you fail to take care of your vehicle, the damage it endures will not be covered by your recreational insurance policy.

Any incidents that happen will need to be assessed during the claims process. If an insurance adjuster determines that damage occurred due to the failure to maintain your RV, your insurance claim will be denied.

Standard Wear and Tear

Your RV will undergo standard wear and tear. If you use your vehicle frequently, parts may break prematurely. In spite of this, you cannot expect your RV insurance policy to handle the cost of replacing any damaged items. Your insurance policy will not cover mechanical parts that break down from normal use.

Contact Greater Tulsa Insurance Inc.

Please schedule an appointment with one of our Greater Tulsa Insurance Inc. representatives. An agent serving the Tulsa, OK, region will provide additional information about RV insurance exclusions.

There are a wide variety of recreational vehicles. Some are motorized; some aren’t. However, only motorized RVs require insurance because they are actually houses on wheels. Motorized RVs are similar to cars because they can be driven on streets and highways. All states require motorized vehicles to carry liability insurance. Greater Tulsa Insurance Inc. is dedicated to helping Tulsa, OK RV owners get the insurance coverage they need.

What is RV Insurance?

RV insurance is designed to protect your RV, other drivers, and you in the event of an accident or wreck, just like conventional auto insurance. However, RV insurance, like car insurance, has different coverage levels. Liability coverage will only cover damage to other people’s property, vehicles, and injuries if you cause physical harm or damage during a wreck. Motor home insurance is similar to auto insurance in that state laws require motor homeowners to carry liability insurance. This coverage pays for accidents that you are responsible for causing or deemed at fault. However, it’s possible that you may be required to carry more than liability coverage if you are financing your RV. Lenders usually require more than liability coverage until your loan is paid in full. 

I only drive my RV once a year. Do I need insurance?

Yes. If you own a motorized RV or motor home, you’re legally required to carry liability insurance. However, you may have to carry more if you finance your RV. This requirement is usually part of a loan agreement, not a state requirement. Auto liability coverage is a state requirement, however. If you have more questions about RV insurance, we’d be happy to answer them. Call us at Greater Tulsa Insurance Inc. in Tulsa, OK.