Any motorized vehicle operated on public roads must be insured. This remains true for recreational vehicles, even if you don’t take your RV out often. A motorhome represents a significant investment, and much like any other vehicle, it can be vandalized, stolen, or sustain other forms of harm. Here are four solid reasons why the experts at American Tri-Star Insurance in San Diego think you should insure your RV or motorhome.
Avoid Significant Financial Liability
Should someone ever sustain physical injuries as the result of a collision with your motorhome, RV insurance can pay all medical bills, lost wages, and other damages this person incurs. It can also cover costs for his or her pain and suffering. Without an adequate plan in place, you’ll have to pay these expenses out of your own pocket, and you’ll also be subject to heavy fines and other legal penalties.
Get Roadside Help
Having a comprehensive plan in place for your RV can give you easy and affordable access to roadside assistance and tow services when you need them. Many insurers offer extras like these as reasonably priced plan additions.
Protect Yourself Against Uninsured Motorists
Even if you aren’t at fault for an accident, you could be responsible for paying your own repair or replacement costs unless you have a comprehensive insurance plan in place. Policies that protect against uninsured and underinsured motorists can cover all damages when a driver who lacks adequate coverage is at fault in an accident. This way, you’ll never be at risk of losing your investment.
Choose Plans Specific to Your Needs
RV insurance is a lot like automobile coverage. However, the plans arebest suited to the vastly different insurance requirements motorhome drivers have. For instance, you can get coverage designed to protect you against accidents and other damage at campsites and RV parks while on vacation, or you can get full-time coverage if you’re currently living in your RV.
Make sure your RV is insured, even if you only use it a handful of times throughout the year. For information on affordable RV insurance in San Diego and a free quote, contact the knowledgeable agents at American Tri-Star at 619-272-2100.