With summer in full swing, you may be thinking about a road trip. Or, better yet, renting an RV for a road trip. Get out on the road with an amazing destination to drive to is a fun summertime activity. Seeing the sights of what our country has to offer, whether it is a National Park or the Mystery Spot.
Before you leave in that beautiful, big, shiny RV, have you called your insurance agent or insurance company to see if your auto policy will cover the RV?
We have had a few phone calls from clients planning their road trips in the last couple weeks. We really appreciated receiving the calls, because what we informed our clients of is that most car insurance companies will not extend any coverage to an RV. Typically, physical property damage is excluded. If you had an accident, there would be no coverage for the RV (comp and collision to repair the vehicle) and no coverage for someone else's property you damaged in an accident. On the liability side, some insurance companies will still offer coverage, which would cover you in the event of a lawsuit. This is an item, in my opinion, that should be paired with comp and collision coverage.
Our advice is to ask the RV dealer/rental company for full coverage of the vehicle while it is in your possession. That will help eliminate any gray areas on who is covering you while you are renting it.
And please read through the coverage/contract for the insurance. We all know that not all policies or coverage are created equal. There is always fine print and better to know what that fine print is before you turn the key to head out on your road trip.
Drive safe, have fun and if you have any amazing pictures of your adventures you would like to share, we would love to see them.
