Why You Shouldn't Drive an RV Without Insurance
1. Most states require liability insurance at minimum for motorhomes. Driving without it can lead to:
- Hefty fines
- License suspension
- Legal trouble if you're in an accident
2. Without insurance, you’re financially responsible for:
- Damage to your RV (which can be expensive to repair)
- Other vehicles or property you damage
- Medical bills for injuries — yours and others'
3. Don’t assume your car policy covers your RV — it likely doesn't. RVs have unique coverage needs, such as:
- Full-timer coverage (if you live in it)
- Vacation liability
- Personal belongings inside the RV
- Coverage when in storage
A Recreational Vehicle insurance policy has unique pieces as you don’t drive it everyday and is usually in storage or in your driveway. Make sure to look for a policy that covers:
- Liability (required)
- Collision & Comprehensive (recommended)
- Uninsured/Underinsured Motorist
- Roadside Assistance
- Personal Effects (belongings inside your RV)
Want help comparing RV insurance options or knowing what type you need based on how you use your RV (full-time vs recreational)? Agents at OHL Insurance and Financial Services in Manor PA & Glendale Arizona can help with evaluating your RV insurance needs.