RV Insurance offers a variety of coverages that depends on how you use your vehicle, either recreationally or even as a full-time residence. How you operate your vehicle also matters when choosing the right coverage.
A motorhome will need separate liability coverage to stay on the road.
But a travel trailer would already have liability insurance because coverage is transferred from your auto insurance policy while it is being towed by your covered auto.
Recreational vehicles covered:
Class A, B, and C motorhomes
Travel trailers, conventional and fifth wheel
Pop-up and truck campers
The Alabama Mandatory Liability Insurance (MLI) law provides that no person shall operate, register, or maintain registration of a motor vehicle designed to be used on a public road or highway unless it is covered by a liability insurance policy. The law was passed to protect consumers when they are involved in an accident. Liability insurance policies must be issued by insurers licensed to do business in Alabama for no less than: 25/50/25
25 / 50 / 25
$25,000 of Bodily Injury Coverage to one person
$50,000 of Bodily Injury Coverage per Incident to 2 or more people
$25,000 of Coverage for Damage or Destruction of Property
Minimum Liability Insurance is required on all self-propelled motor vehicles. Keep in mind, these are only the minimum limits. Increasing these limits can help protect you in the case of a more serious accident or an accident with a vehicle worth more than $25,000. Call Wiggins Insurance to inquire about increasing your limits.
However, liability coverage only pays for damage and injuries that you cause to another vehicle and driver.
LIABILITY COVERAGE
Liability coverage pays for property damage and/or injuries to another person caused by an accident in which you're at fault. This coverage is required by most states to legally drive your vehicle. Liability coverage is broken down into 2 parts: property damage and bodily injury.
COMPREHENSIVE & COLLISION COVERAGE
Comprehensive coverage helps cover the cost of damages to your vehicle when you're involved in an accident that's not caused by a collision. Comprehensive coverage covers losses like theft, vandalism, hail, and hitting an animal. For example, if you are driving and hit a deer, the damage would be covered under comprehensive coverage. However, if you swerve to miss the deer and hit a tree, comprehensive coverage doesn't apply because this type of accident is considered a collision with an object.
Collision coverage helps pay for the cost of repairs to your vehicle if it's hit by another vehicle. It may also help with the cost of repairs if you hit another vehicle or object. That means you can use it whether you're at fault or not. Unlike some coverages, you don't select a limit for collision. The most it will pay is based on the actual cash value of your vehicle. You will be responsible for paying your selected deductible.
Keep in mind, these coverages may have certain differences and exclusions between carriers so always read through your policy documents to understand your specific coverages.
Additional protection that may be available, for peace of mind:
RV Roof Protection helps cover the needed repairs or even the replacement of your RV’s roof. Older vehicles may not qualify for coverage.
Pest Protection helps cover damage to your RV from birds, rodents, and other vermin. Older vehicles may not qualify for coverage.
