Recreational Vehicle Insurance: Different from Car Insurance

If you drive an RV for any reason, then you need recreational vehicle insurance. Some people don’t understand that auto insurance doesn’t cover an RV. You must know what is required by your state’s motor vehicle laws. It’s likely that recreational vehicle insurance in mandatory.

Policies vary by insurance company, but here are some common features:

Underinsured/uninsured motorist: this provides assistance when you’re in an accident with someone who is underinsured or uninsured. It also helps when you’re the victim of a hit-and-run.

Medical payments: this covers medical bills for you and your passengers following an accident. Depending on the policy, it might also cover the costs if you or a family member is hit while walking.

Personal injury protection: States, such as Washington, are no-fault states. That means drivers must have personal injury coverage. You can’t sue the other driver if the medical costs sustained are within your coverage limits.

Liability insurance: each state sets its own limits on liability coverage. It is required by law, and protects you against lawsuits for injury and damage to property.

Collision insurance: this is for repairs when involved in a crash with another vehicle.

Comprehensive insurance: this offers coverage that combines other coverage options. It also covers the loss of belongings from your RV or when your RV is vandalized.


You are not limited to the options mentioned above. Other RV insurance policies give you several options, including towing and roadside assistance. There may even be storage insurance for when your RV is stored for the winter. You can also ask about emergency expenses, permanent attachments, and personal property replacement.