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Road trip: RV Insurance can be
key to surviving camping trips, long hauls
SEATTLE -In spite of high gas prices, many RV owners across
the Northwest are gearing up for a long, fun-filled summer on
the road. That fun, however, could be short-lived if you experience
a loss and do not have the proper RV Insurance.
If you own an RV, NW Insurance Council urges you to take a minute
to talk with your agent or company and make sure you are adequately
insured before hitting the road. This simple step could save you
from a summer's worth of headaches and financial burdens.
"The 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 Auto
Insurance covers.
NW Insurance Council offers the following tips to help you be
sure you have 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.
- You may be liable if someone is injured inside your RV or
at your campsite.
- 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 will need additional
coverage. Evaluate the 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 visit www.nwinsurance.org.
NW Insurance Council is a nonprofit, public-education organization
funded by member insurance companies serving Washington, Oregon
and Idaho.
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