Whether or not you need to insure your RV depends on whether your RV is a motorized vehicle or if it is something towed along by something else, such as a pop-up camper or travel trailer. If you do have a motorized RV in Olathe, KS, you do need to make sure you have the proper insurance to protect your assets. At AHI Group, we can help you make sure you have the coverage you need.
Legal Requirements
If your RV is self-propelled, you need to have coverage much like regular automobile coverage.
- Liability insurance will pay other people’s property damage and medical bills if you are found to be at fault in an accident. The state has minimums, but you can speak to your agent about whether you are comfortable with minimal coverage.
- Personal injury protection (PIP) pays medical bills for you and your family after an accident, no matter who is at fault.
- Uninsured motorist protection helps you if you are in a collision with an uninsured motorist.
Who Is Insured to Drive?
When you fill out your insurance application in Olathe, KS, you will be asked to list your household members. During that time, you will list all the people who will be driving the RV. An RV is a serious piece of equipment, and it is important that you are honest about who will be behind the wheel.
RV insurance usually follows the vehicle, not the driver. That means that the claim will probably be paid, but you need to add anyone who will be a regular driver. If anything changes while you have the policy, you should contact your insurance company right away. If you have any questions about RV coverage, please feel free to call AHI Group today.
