Many state laws require liability coverage, also known as “property damage/bodily injury.” It can help cover expenses from damaging a vehicle or injuring a person in an accident.
Collision helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.
Comprehensive insurance helps pay for damage to your vehicle not caused by collision. Examples include damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other natural disasters.
Uninsured or underinsured coverage
This RV coverage helps pay for repairs if your RV is damaged in an accident by an underinsured, uninsured or unidentified driver. It also helps pay medical costs, lost wages and other damages for you and your passengers resulting from an accident caused by an uninsured or underinsured driver. RV or motor home coverage varies from state to state and is required in some states.
Medical payments coverage
Medical payments helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.
Loss of income coverage
This option helps pay lost wages due to injuries from an RV accident. This type of coverage can be especially important if you do not already have short-term or long-term disability benefits from another source.
Rental reimbursement coverage
This coverage helps pay for your rental car or other transportation (such as bus or subway) if your RV cannot be driven due to an at-fault accident or comprehensive claim.
Towing and labor coverage
Towing and labor reimburses you for towing charges if an insured vehicle is disabled. It also covers on-site assistance, such as battery jump-start, tire change and locksmith services.