It’s important to understand that most claims against the policy will be due to the actions of the RV. This can include things like driving under the influence of drugs or alcohol, causing an accident intentionally, or even simply driving too fast for the conditions. For inquiries, give us a call at J.B. Martin Insurance Agency serving New Mexico and Arizona.
Motorhome Insurance Policies: What You Need To Know
One of the most common concerns among prospective RVers is the cost of RV insurance. Reduced cost RV insurance is a common marketing ploy in the RV industry, and it’s important to be cautious when considering any such offer.
Many people don’t realize that their RV, van, or motorhome can be considered a “motorized vehicle” and therefore fall under the umbrella of RV insurance. However, you should be aware of the most common claims made against RV insurance.
Recreational vehicles or motorhomes are valuable pieces of property. Because of this, RV owners need to be very careful when making repairs to their RV to avoid the pitfalls of making false claims against their RV insurance. Common claims against RV insurance include:
- Property damage
- Loss of use
- Medical expenses
- Rental car coverage
- RV/boat rider coverage
- Dog bite coverage
- Motorcycle rider coverage
- Snowmobile rider coverage
Many people believe that since a motorhome is used for both recreational and daily activities, it doesn’t necessarily fall under the definition of a car or a truck, and therefore doesn’t need a car insurance policy. This may be true for the everyday use of a motorhome, but it won’t protect you from liability or crash damages if you are involved in an incident that was not related to everyday use.
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There are a wide variety of common misconceptions about motorhome insurance that people may have. As long as you’ve registered the motorhome with the Highway Traffic Act and isn’t used as a car, it will be insured.
You just need to know the typical risks associated with a motorhome. To seek expert advice in New Mexico and Arizona, consult with us at J.B. Martin Insurance Agency.