Does Your Truck Insurance Cover Your Camper Too?
RV insurance policies differ by company, just like the RV’s they protect. Although an auto policy was never intended to protect such specialized equipment, many RV owners opt to insure their recreational vehicles with the same policy as their car. Auto policies don’t provide Guaranteed Total Loss Replacement – if your RV is destroyed within its first five model years, this coverage will ensure that you get a brand new RV – even if it costs more than you paid for the original unit!
Getting Coverage For A Camper
Finding insurance for your camper might appear to be a difficult project at first glance. Never fear. It’s best to shop around, like with any other insurance policy. There are quite a few highly regarded companies that specialize in RV insurance. The Recreation Vehicle Industry Association recommends that policies for travel trailers, truck campers and pop-ups should include:
§ All-risk comprehensive coverage
§ Vacation liability for emergency motel and meal expenses
§ Fire department services
One in eight licensed drivers is involved in an automobile
accident each year, according to the latest statistics by the National
Safety Council. In case of an accident:
§ Don’t leave the scene
§ Move inoperable vehicles to the shoulder, out of the way of oncoming traffic
§ Call for medical assistance if there are any injuries
§ Don’t shift an injured person unless you have medical or lifesaving skills, but you can administer basic first aid if applicable
§ Call the police
You know the freedom of getting away if you’ve already experienced the tranquility and fun of camping with your recreational vehicle. The US Forest Service includes 192 million diverse acres across the nation waiting to be enjoyed. These sites are just right for experienced campers who are looking for their own quiet spot.
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