Your RV is more than a car, and your RV insurance should cover more than what car insurance covers. Rather than add your RV to your auto policy, consider insuring your RV on its own policy. Keep the following in mind:

• You have many things in your RV that you would never keep in your car, such as clothing, jewelry, binoculars, VCRs, laptops, camcorders or outdoor gear.
• When you park your RV at a campsite, you may be liable for the area around it. If someone is injured, you may be responsible.
• If your RV is damaged while you're traveling, you'll need a place to stay and a way to get there.

Bodily Injury & Property Damage Liability

Bodily Injury and Property Damage Liability covers your legal liability for an accident where there is damage to someone's property or injury to another party, up to the limit of liability you select. If you are legally liable for an accident, your insurance will pay for the following:

• The cost to repair or replace damaged property
• Medical bills incurred by injured parties
• Lost wages of injured parties
• Other damages you are legally obligated to pay as a result of an accident.

• No more than $15,000 will be paid per person for Bodily Injury
• No more than $30,000 will be paid per accident for Bodily Injury
• No more than $10,000 will be paid per accident for Property Damage

Uninsured/Underinsured Motorists

When the at-fault party does not have insurance, Uninsured Motorists Bodily Injury will cover damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages.

If your injury expenses exceed the at-fault party's liability limits, you can use Underinsured Motorists Bodily Injury coverage to pay for the amount not covered by the at-fault person's insurance. Similar to Uninsured Motorists coverage, Underinsured Motorists coverage is designed to cover the gap between the other person's liability limits and the amount of your injury expenses, up to the Underinsured Motorists limits you select.
Uninsured Motorists Property Damage covers damage to your vehicle caused by someone who does not have insurance.

Medical Payments

Medical Payments coverage pays the cost of necessary medical care you receive as a result of an accident and can be used regardless of who is at fault. The coverage often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, Medical Payments only applies after other medical insurance is exhausted.

Comprehensive and Collision

Comprehensive and Collision cover the cost to repair or replace your RV if it is stolen or damaged in an accident, regardless of who is at fault. You select a deductible for each coverage, and once the deductible is met, the insurance company pays for the remaining damage.

Under Collision coverage, your insurance company pays for damage caused when you collide with another vehicle or object.

Under Comprehensive coverage, your insurance company pays for damage caused by an event other than a collision, such as fire, theft or vandalism.

You have three options to insure your RV against a total loss:

• Market Value – base policy that pays the market value of your RV at the time off loss.
• Agreed Value – pays the value of your RV that you select at the start of your policy, regardless of the current market value.
• Total Loss Replacement Cost – pays for replacement of your RV with the newest model if your RV is declared a total loss within its first five model years.