RV Insurance Coverage: Vacation Liability

 

Just as with automobile insurance, RV Insurance is required for all recreational vehicles driven or towed on North Carolina public roads.  The minimum amount of liability coverage required by the state is $30K for bodily injury (per person, per accident), $60K for bodily injury of all persons per accident and $25K for property damage per accident.  NC law also requires all drivers be covered by uninsured/underinsured motorist coverage.

And, like with auto insurance, there are many add-on coverages available in your RV insurance policy that are not required by law but that provide valuable benefits when needed.  These include:

• Collision coverage, which pays toward damage suffered in a vehicle collision
• Comprehensive coverage, which pays for damages suffered in non-collision scenarios such as fire, theft, vandalism, etc.
• Roadside assistance and towing coverage

Specialized RV Insurance Coverage 

The above list includes basic RV insurance coverage, to which you can add the mandated liability coverage and uninsured/underinsured protection the state requires you have.  There is also a specialized list of RV insurance coverage that can be added to your basic policy to provide additional protection.  These include:

• Total Loss Replacement Coverage - available for a single-owner, brand new RVs.  If used, this coverage pays the full amount for replacement of a totaled RV.  Replacement for older vehicles is based on actual cash value, which incorporates depreciation.
• Custom Equipment Coverage - this helps pay for losses involving custom upgrades to your RV, both inside and out.  Basic policies typically include only about $1000 coverage form custom equipment, which may be much less than actual costs.  This coverage extends that coverage.
• Emergency Expense Reimbursement - pays for travel and lodging if something happens to your RV while you're away from your home.
• Vacation Liability Coverage - sometimes automatic in policies that include both comprehensive and collision protection, vacation liability coverage protects against liability when your RV is used as a vacation space in a campground.

Vacation Liability Coverage - also known as campsite liability protection, covers you in the event there is bodily injury or property damage at your campsite or in your RV while it's parked off of public roads.  This coverage doesn't apply to family members.

If someone trips and falls and breaks a limb or your dog bites a visitor to your campsite or RV, you're covered with vacation liability protection.  This includes helping pay defense costs and any liability settlement amounts.