Why You Need Uninsured/Underinsured Coverage

Protect yourself against uninsured drivers Read More

Uninsured Driver CoverageYou go away on vacation to have a certain peace-of-mind, so you want to make sure you stay that way… even in the case of an accident. And if you do get into an accident, you shouldn’t have to worry that the person who hit you doesn’t have any or enough insurance to cover the repairs and other costs related to your RV. That’s why you need Uninsured/Underinsured Coverage as part of your RV insurance.

So what is Uninsured/Underinsured Coverage all about? Basically, it will cover all the damage and injuries that befall you should you get into an RV accident that another person is at fault for and they do not have any or enough insurance to cover the costs. If that person is found legally liable, this coverage will cover costs like repairs, medical bills and lost wages.

Let’s just say you get banged up pretty bad and the costs exceed the at-fault party’s liability limits – your Underinsured coverage will pay for the amount not covered by the at-fault person’s insurance. This policy will cover the gap between the other person’s limits and the amount of your injury expenses, up to the limits you select.

On the other hand, if the driver at fault doesn’t have any insurance, that’s when you’d use the Uninsured part of this coverage. The Motorist Property Damage will cover your RV, up to the limits you select.

Let’s use an example to clarify the issue. While driving your RV, a driver without insurance hits you from behind while you’re at a red light. Not only do you have $3,000 of damage to your RV, you’ve also hurt your neck, which racks up a medical bill of $4,000. Lucky for you, you’ve got Uninsured/Underinsured Coverage, with limits of $20,000/$40,000/$15,000. This means that all of the repairs and the medical bills will be covered.

Uninsured/Underinsured Coverage for your RV insurance differs, depending on where you live and what insurance provider you decide to go with. Do your homework and be sure you know exactly what you’re getting for your insurance premiums.

You go away on vacation to have a certain peace-of-mind, so you want to make sure you stay that way… even in the case of an accident. And if you do get into an accident, you shouldn’t have to worry that the person who hit you doesn’t have any or enough insurance to cover the repairs and other costs related to your RV. That’s why you need Uninsured/Underinsured Coverage as part of your RV insurance.

So what is Uninsured/Underinsured Coverage all about? Basically, it will cover all the damage and injuries that befall you should you get into an RV accident that another person is at fault for and they do not have any or enough insurance to cover the costs. If that person is found legally liable, this coverage will cover costs like repairs, medical bills and lost wages.

Let’s just say you get banged up pretty bad and the costs exceed the at-fault party’s liability limits – your Underinsured coverage will pay for the amount not covered by the at-fault person’s insurance. This policy will cover the gap between the other person’s limits and the amount of your injury expenses, up to the limits you select.

On the other hand, if the driver at fault doesn’t have any insurance, that’s when you’d use the Uninsured part of this coverage. The Motorist Property Damage will cover your RV, up to the limits you select.

Let’s use an example to clarify the issue. While driving your RV, a driver without insurance hits you from behind while you’re at a red light. Not only do you have $3,000 of damage to your RV, you’ve also hurt your neck, which racks up a medical bill of $4,000. Lucky for you, you’ve got Uninsured/Underinsured Coverage, with limits of $20,000/$40,000/$15,000. This means that all of the repairs and the medical bills will be covered.

Uninsured/Underinsured Coverage for your RV insurance differs, depending on where you live and what insurance provider you decide to go with. Do your homework and be sure you know exactly what you’re getting for your insurance premiums.
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