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Liability or Bodily Injury and Property Damage (BIPD)
Liability covers damages for bodily injury or property damage caused by an accident
for which the insured is responsible (except punitive damages).
Uninsured Motorists and Underinsured Motorists (UM/UIM)
Uninsured motorists coverage reimburses an insured for the amount of bodily injury
damages sustained when the at-fault party does not have insurance. Underinsured motorists
coverage reimburses an insured for the difference between actual bodily injury damages
sustained and the amount of coverage the at-fault party carries up to policy limits.
Uninsured Motorists Property Damage (UMPD)
Covers property damage sustained by an insured when the at-fault party does not carry
insurance.
Medical Payments
Covers the insured, as well as the insured's passengers, for medical expenses incurred
in an accident regardless of fault.
Personal Injury Protection (PIP)
Required in some states to provide medical expense coverage regardless of who is at
fault. Some states require that this coverage provides medical benefits, work loss
benefits, death benefits and funeral benefits.
Comprehensive or Other Than Collision
Provides coverage for damages to an insured vehicle by means other than collision,
such as theft, glass breakage, hail, wind or fire.
Collision
Provides coverage for damages to an insured vehicle caused by a collision with another
object.
Vacation (Campsite) Liability
Protection up to your policy limits for your legal liability resulting from lawsuits
if you are negligent while using your RV as a vacation residence.
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Total Loss Replacement
An added coverage that will allow you to receive a new unit of the same model, body
type, class, size and equipment if you decide to replace your RV in the event of a
total loss due to a covered accident. Most RVs up to five model years old are eligible
for this coverage.
Personal Effects
Replacement cost coverage for loss of or damage to the insured's personal belongings
(like clothing, dishes, cookware and other items not permanently attached to your
unit).
Scheduled Valuable Personal Property
Your valuable possessions kept in your RV can be covered on your policy. A recent
appraisal will be required (dated within 12 months).
Mexico Coverage
Provides comprehensive and collision coverage for the insured vehicle while traveling
in Mexico. Insured is required to purchase Mexican liability coverage.
Adjacent Structure Coverage
Provides a specified amount of coverage for a storage shed or other unattached structure
located on a lot owned or rented by the insured.
Golf Cart Coverage
Provides physical damage and liability for golf carts, mopeds or small boats.
Request your Free RV Insurance Quote online today.
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