Whether you use your RV or motorhome to visit West Virginia's Hawks Nest State Park or you are a road warrior whose home is wherever you park, RV insurance can protect you from those unexpected incidents along the way. Before you settle on quotes for RV insurance, it is important to bear in mind the following facts. You have worked hard and spent a lot of money acquiring the perfect vacation get-away in your RV. Finding the right insurance coverage can save you tens of thousands of dollars.
Each year in West Virginia, there are multiple highway collisions involving pull-behind recreational trailers that have flipped over due to high winds and "trailer sway." Trailer sway occurs when a big tractor-trailer passes a tow trailer on the interstate causing the trailer to oscillate or sway back and forth.
As far back as the 1960s, studies showed that people towing trailers and RVs were four times more likely to crash than the average motorist.
It's a common myth that auto or home insurance will adequately cover RVs and other vehicles. Your RVs are special and require specialized RV insurance. In some cases, you'll need additional insurance coverage.
What's the difference between RVs and travel trailers? From an insurance standpoint, not much besides the replacement cost of the vehicle (which can affect the cost of your policy). Whatever type of RV you have chosen to cruise West Virginia's beautiful highways and back roads, you can find the coverage to fit your needs. Compare the two types:
Your RV is more than a car, and your West Virginia RV insurance coverage should protect more than what typical car insurance does. Keep the following in mind as you decide whether to buy RV insurance coverage since standard auto insurance policies generally don't cover the following situations:
All of the above scenarios could end up costing you thousands of dollars. However, when you insure your RV on its own policy, you'll know you have a wide range of RV insurance coverage for a wide range of incidents.
RV insurance can protect you from losses due to accidents and injuries and comes in many coverage options to choose from, such as the following:
Comprehensive and collision options include the following:
Comprehensive and collision cover the cost to repair or replace your RV due to theft or damage in an accident, regardless of who is at fault. You select a deductible for each coverage type and, once you meet the deductible, the insurance company pays for the remaining damage.
With collision coverage, your insurance company pays for damage to your RV when you collide with another vehicle or object. If you hit a car, a pole or another non-living object, collision coverage will apply.
With comprehensive, or "other than collision" coverage, your insurance company pays for damage to your RV caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your RV catches fire or is stolen, comprehensive coverage will apply.
You have three options to insure your RV against a total loss:
The cost of your RV insurance will depend on whether you are full-timer or a weekend enthusiast.
These additional factors will affect the quotes you get:
Don't let an accident or injury derail your RV vacation plans. Contact a knowledgeable Trusted Choice® independent insurance agent to find the most affordable quotes on the best RV insurance policies available in West Virginia. You'll be packing up the family and hitting the road in minutes.