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Road trip: RV insurance can be key
to surviving camping trips, long hauls
SEATTLE - Thousands of RV owners across the state are gearing up for
a summer of traveling and camping trips.
If you own an RV or you're looking to buy one, make sure it's properly
insured before you hit the roadway. This simple step could save you from
a summer's worth of headaches and financial burdens.
"The main point of a vacation is to get away from it all," said Karl
Newman, NW Insurance Council president. "The last thing you want is the double whammy of
having an accident and then finding out you don't have the right insurance
on your RV."
Your RV is more than a car and insurance for your RV should reflect that.
Usually, RV insurance will cover more than what your car insurance covers.
The NW Insurance Council offers the following tips to help you
be sure you've properly insured your recreational vehicle:
- Consider insuring your RV on its own policy, rather than adding
it to your auto policy. You keep many items in your RV that you wouldn't
normally keep in your car such as furnishings, jewelry, laptops, video
recorders and clothing.
- Coverage is available in the event of loss or damage to certain
items outside the RV up to 25 percent of the replacement cost.
- If parked at a campsite, you could be liable if someone is injured
in the surrounding area.
- If your RV is damaged while you're traveling, you'll need a place
to stay and a way to get there. A standard auto policy may not cover
these losses or RV towing, which could cost you thousands of dollars.
- The high value of many RVs and the potential for extensive physical
damage from an accident may mean you'll need additional coverage.
Evaluate coverage available through your auto insurance company. If
the coverage is not adequate to meet your needs, explore coverage
with a company or agent who writes policies specifically designed
for RVs.
For more information on insuring your RV, contact NW Insurance Council at (800) 664-4942
or info@NW Insurance Councilonline.org.
NW Insurance Council is a nonprofit, consumer education organization
funded by member insurance companies.
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