Misconceptions about RV Insurance Coverage

As an RV owner, you’ll find Texas the perfect state for RV road trips. There’s so much to see and do, you’ll never run out of sites to explore. The right RV coverage will take the stress out of your travels by providing adequate protection on the road. Working with an Access Insurance Services agent can help you avoid these common misconceptions about RV coverage:

Misconception: Your RV is Protected by Your Auto Insurance

Fact: RVs require their own insurance for protection against accidents and breakdowns on the road. If you plan to hit the road with your RV this summer, we recommend you purchase liability, collision, comprehensive and uninsured motorist coverage.

RV liability coverage is mandatory in San Antonio, TX by law. This insurance covers the medical and property damage expenses of others in accidents you cause. Collision insurance pays for repairs to your RV if you’re involved in a crash. Comprehensive insurance protects your RV from theft and non-collision damage. Uninsured motorist (UM) insurance protects you against uninsured and hit and run drivers.

Misconception: All RV Insurance Policies are the Same

Fact: As an RV owner, you choose the type and scope of RV coverage you want. Liability insurance is required; other types of coverage are optional. If you have a loan on your RV, your lender may require collision, comprehensive and UM coverage to protect his investment. Otherwise, you’ll be assuming responsibility for damage to your vehicle on your own if you choose to forego other types of coverage. 

Misconception: RV Insurance in San Antonio, TX is Very Costly

Fact: RV insurance costs vary depending on the type and scope of coverage you choose. By shopping around and customizing your coverage, you can get the protection you need at a price you can afford. 

For quality RV insurance at reasonable costs, contact Access Insurance Services.