| There is a great deal of overlap between RV and | | | | separate umbrella policy that sits over all of your |
| auto policies. If you have a motorized RV, you will | | | | liability limits on your cars, your house and your |
| need some of the same coverage's provided by an | | | | motorized RV. |
| auto policy plus specialized RV coverage's. I will | | | | Property Damage is also a third party coverage, and |
| attempt to explain a few things to consider without | | | | provides protection for claims due to damage to |
| confusing you. | | | | other people's property. For example, Property |
| Regardless of the insurance company you decide to | | | | Damage would pay to repair damage to the bumper |
| use, there are a handful of basic coverage's you will | | | | of a car that you rear-end in an accident. Bodily |
| need to have in your policy. Again, this coverage is | | | | Injury and Property Damage limits typically work |
| very similar, if not identical, to the coverage you | | | | together and can be either a split limit or a combined |
| have on your personal auto insurance policy. This | | | | single limit. A typical split limit has a different limit for |
| coverage can be broken down into two different | | | | damages to each person, each accident and property |
| categories; liability and physical damage. All motorized | | | | damage. For example, a common split limit would be |
| RV's will have some form of liability coverage. | | | | $100,000/$300,000/$50,000. This means that for |
| Towable RV's like travel trailers and 5th wheel trailers | | | | Bodily Injury coverage you have a maximum limit of |
| do not have any liability coverage. However, if you | | | | $100,000 per person for each person injured not to |
| own a travel trailer or 5th wheel the section on | | | | exceed $300,000 per accident and a $50,000 limit for |
| liability may contain information helpful to you | | | | Property Damage. A common single limit for Bodily |
| regarding the vehicle you use to tow your trailer. | | | | Injury and Property Damage is $300,000 meaning |
| There are many things to consider, here are just a | | | | you have $300,000 to pay for all injuries and |
| few: | | | | property damage arising from any one accident. It |
| Liability Coverage | | | | can be split any which way between injured parties |
| There are a number of coverage's that fall under the | | | | and damaged property. Bodily Injury and Property |
| category of liability coverage including Bodily Injury, | | | | Damage are required for all motorized RV's. For travel |
| Property Damage, Uninsured Motorist Bodily Injury, | | | | trailers and 5th wheel trailers liability follows the unit |
| Underinsured Motorist, Uninsured Motorist Property | | | | towing the trailer, so Bodily Injury and Property |
| Damage, Personal Injury Protection and Medical | | | | Damage coverage's are not necessary. |
| Payments. Some of these coverage's vary by state. | | | | Uninsured Motorists (UM) and Underinsured Motorists |
| Note: The Department of Insurance in the state you | | | | (UIM) coverage's can be first or third party |
| live in can be an excellent resource for additional | | | | coverage's. UM provides protection for injuries you or |
| information regarding state specific coverage's. Most | | | | someone else sustains in an accident due to the fault |
| states offer a Consumer Buyer's Guide on their | | | | of another party when the at-fault party does not |
| website that will explain state specific nuances to | | | | have any insurance. UIM provides protection for |
| each of these coverage's. | | | | injuries you or someone else sustain in an accident |
| Bodily Injury is third party coverage. This means it | | | | due to the fault of another party when the at-fault |
| provides protection for claims due to injuries to a | | | | party does have insurance, but not enough insurance |
| passenger in your vehicle (other than you or a family | | | | to cover your damages. UM and UIM are sold on a |
| member) or passengers in another vehicle, or | | | | split limit and combined single limit basis, just like |
| pedestrians. It provides you, the owner/operator of | | | | Bodily Injury and Property Damage. |
| a motor vehicle, with protection for your legal liability | | | | Your RV insurance can and should fit your RV. To |
| due to the ownership, maintenance or use of your | | | | get a free RV insurance quote with absolutely no |
| RV. It is very important to select a limit that is high | | | | obligation, I recommend Explorer RV Insurance |
| enough to protect your assets. You may be | | | | Agency, Inc. you can call 1-888-774-6778. |
| responsible for any amounts, related to injuries | | | | Happy Camping, |
| received to the third party, over and above the limit | | | | Copyright 2006 by Mark J. |
| on your insurance policy. You can also purchase a | | | | |