Community Forums

rescueangel · 02-19-2013, 09:35 AM

Hi everyone! I love this site. I need help figuring out who to buy RV insurance from and what I need. I also can tell all the information in all the forums is great but I don't have a clue what your talking about because so many acronym's are used. It's all Greek to me! (so is insurance and roadside). Please advise what is most important and best company for the money. Tight budget.

I will be a full timer, traveling alone, gonna tow a trailer with car on it. HELP! Picking up RV in Las Vegas March 1st. Thanks, RescueAngel

SarahW · 02-19-2013, 02:56 PM

I'd advise you to start with your car insurance agent to discuss which vehicle insurance coverage is best for you. Aside from regular insurance, you might consider roadside assistance in case you ever break down or have a flat. We use Coach-Net but have never actually had to use them.

As for acronyms...which ones are confusing to you? Just ask and someone will explain. We were all newbies at one time.

sdennislee · 02-19-2013, 09:15 PM

Check out these 2 threads for list of acronyms:

http://www.irv2.com/forums/f61/acron...st-144413.html

http://www.irv2.com/forums/f64/acron...ns-106661.html

Gary RVRoamer · 02-20-2013, 08:58 AM

Your car is covered by its own insurance, even when in tow, so no worries there. The motorhome requires standard motor vehicle liability coverage, just like the car. That covers damages you do to other people and property. The "standard" insurance will vary according to the state where you have the vehicle titled. Each state has its own requirements. Some state require what is called PIP - personal injury protection, which is medical payments for injuries to you or your passengers.

Your agent may recommend Uninsured Motorist (UIM) coverage. This pays medical cost to YOU if you are injured in an accident caused by someone who has no insurance. If you already have other medical insurance, you don't need this.

Beyond that, you probably want coverage to pay for damage to your own motorhome and your personal property inside. Collision insurance pays for damage to your rig in a collision, Comprehensive insurance covers non-collision damage to the RV, e.g. fire, theft, storms, etc. Personal Property coverage pays for goods and accessories that are not physically part of the RV, e.g. your clothing, camera, computer, etc.

You may also be offered insurance for towing in the event of a roadside breakdown. This can also be obtained as part of a Roadside Assistance package from a separate company such as Coach-Net or Good Sam. Those two specialize in RVs and generally provide more help than insurer-provided services.

Hope this helps with the basics.

John H... · 02-20-2013, 09:02 AM

Welcome to the forum and good luck with your new RV and fulltiming...

GaryKD · 02-20-2013, 11:39 AM

Hi rescueangel,
Welcome to iRV2. Consider contacting a motor coach insurance broker. They specialize in insurance for motor coaches and full timers. I use Farm & City Insurance at 800-331-1520 or RV Insurance | FCIS Insurance . There are some nuances to insurance when full timing in a motor coach. They can explain your choices and the cost. I've used these folks for years. Their prices are so competitive that I leave my declarations page with agents at the Tampa RV Super Show and none have ever called me to say they had a better deal.