RV Insurance in Tuscaloosa, AL
Recreational vehicle (RV) insurance is a smart way to protect your finances during your travels. Accidents and breakdowns happen unexpectedly, and the costs of repairs or replacements can add up quickly. For example, if you’re involved in a collision on the highway or accidentally cause property damage while operating your RV, insurance can help cover the resulting expenses.
Is RV Insurance Mandatory?
Alabama law requires drivers to carry proof of financial responsibility, which most drivers satisfy with insurance. Whether RV insurance is mandatory depends on the type of RV and how it is used. If your RV is motorized, such as a Class A, B or C motorhome, minimum liability insurance is required, just like with any other vehicle.
If you’re renting an RV, the rental company often requires insurance. Some companies offer insurance as part of the rental agreement, while others may require you to purchase a separate policy. Your personal auto insurance might also offer limited coverage for a rented RV, so it’s best to confirm before hitting the road.
Insurance is also typically required for financed RVs as a way for lenders to protect their investments. Comprehensive and collision coverage are often mandated to ensure the RV is covered against damage or loss.
Is an RV Covered Under Auto Insurance?
Standard auto insurance does not provide comprehensive coverage for an RV. While a policy might cover liability when towing a trailer, it won’t account for damage to the RV itself or the personal belongings inside. An RV insurance policy is necessary to address these gaps.
Apart from motorhomes and trailers, you may also purchase RV insurance for other types of recreational vehicles, such as the following:
- ATVs
- Boat and watercraft
- Golf carts
- Snowmobiles
Contact Us
Are you looking for dependable RV insurance? Contact Crawford Insurance LLC to learn more about RV insurance and get a customized policy.