IS RV Insurance Required?

Unlike what's required in many other states, ALL types of recreational vehicles driven or towed on public roads in North Carolina are required by state law to be covered by a minimum amount of RV insurance. This includes motorized RVs such as Class A, Class B and Class C RVs as well as bus conversions. It also includes the following non-motorized RVs:

• Fifth-wheel trailers
• Tent trailers (pop-ups)
• Toy haulers
• Travel trailers
• Truck trailers

What's the Minimum Coverage?

Just as with regular auto insurance coverage requirements in the state, liability RV insurance is required in an amount that at least meets the state minimums, which are:

• $30,000 bodily injury/person per accident
• $60,000 bodily injury total for all persons per accident
• $25,000 property damage per accident

Bear in mind that the above described liability coverage only pays benefits to third parties suffering losses in accidents that have been proven to be your responsibility. This coverage pays no benefits toward compensation for your own personal injuries or property damage.
RVs are also required to carry uninsured motorist coverage, which protects you from losses deemed the responsibility of a motorist who is uninsured or underinsured.

What's Not Required (But Probably a Good Idea)

Just as with auto insurance, there are plenty of insurance options to consider when buying your RV insurance policy. First off, it should be mentioned that the state minimum requirements for liability coverage are typically woefully inadequate in the real world of medical costs for injuries or property damage arising from a vehicle collision. Keep in mind that any costs incurred over and above what your liability coverage pays must come out of your own pocket, so think seriously about increasing your liability protection to a more adequate level.
Once your liability coverage is decided, there are other add-on coverage options to consider. These include:

• Collision
• Comprehensive
• Medical payments
• Personal Injury Protection (PIP)
• Roadside assistance, towing or rental reimbursement

Besides the above listed policy options, which are also available on any standard auto insurance policy, RV insurance can include some specialty option add-ons such as:

• Emergency expenses - pays for temporary living and travel expenses if your RV is damaged and you can't use it
• Equipment protection – pays for damage or loss of equipment stored outside your RV such as a satellite dish or trail bike
• Personal belongings protection – pays for damage or loss of personal items within your RV