Category: RV Insurance

If you’re a proud recreational vehicle owner, then you know a lot goes into keeping your RV insured and on the road. In Washington State, all vehicles must have insurance coverage, and RVs are no exception. But with so many types and levels of coverage available, it’s challenging to determine exactly what kind of RV insurance you need.  Alpine Ridge Insurance in Auburn, WA provides a quick overview to help you decide.

Types of Recreational Vehicle Insurance

Four types of recreational vehicle insurance are available: collision, comprehensive, liability, and medical payments. 

Collision Coverage

This type of coverage will help to repair or replace your recreational vehicle if it is damaged in an accident with another vehicle or object. Collision coverage is not required by law but is recommended for owners of newer or more expensive RVs. 

Your Alpine Ridge Insurance agent can help you determine whether collision coverage is right for you and, if so, how much to purchase.

Comprehensive Coverage

Comprehensive coverage helps to repair or replace your recreational vehicle if something other than a collision, such as fire, theft, or weather damage, damages it. Like collision coverage, comprehensive coverage is not required by law but is recommended for newer or more expensive RVs. 

Liability Coverage

Liability coverage helps pay for damage or injuries you may cause to another person or their property while operating your recreational vehicle. Liability coverage is required by law in Washington State and is typically sold in two forms: bodily injury liability and property damage liability. 

Get RV Insurance Today

Your Alpine Ridge Insurance agent in Auburn, WA can help determine whether collision coverage is right for you.

We understand that insuring your recreational vehicle is an important investment. Contact us today for more information.

If you are an RV owner in Washington state, you should get RV insurance since all vehicles in the state are mandated to have insurance to drive on public roads. If you don’t insure your RV and get into an accident in Auburn, WA, here is what you should know. Suppose you are caught driving your RV without at least a minimum of RV insurance coverage. In that case, you can face serious consequences like license suspension, license revocation, fines, and jail time. However, the severity of the consequences could vary depending on whether you were the at-fault driver or not.

1. If You Are the At-Fault Driver

If you are in an accident with your uninsured RV and are the at-fault driver, you will have to agree to pay for damages and injuries you caused. Since you don’t have insurance, the payment will be from out of your pocket. At Alpine Ridge Insurance, we recommend that you negotiate with the other driver on compensation immediately. If you refuse to pay, the other driver can sue you, and you will also have to pay for your legal fees out of pocket. If you cannot pay for the damages and injury you caused, the court will permit the other driver to recover those costs through wage garnishment. Therefore, the money you owe the other driver will be deducted directly from your paycheck. All these will likely ruin you financially.

2. If the Other Driver Is at Fault

If the accident involves your uninsured RV and the other driver is at fault, the other driver will compensate you for the damage and injury based on the state’s limits. However, you will still face the penalties of driving your RV without insurance. 

Do you have questions about RV insurance in Auburn, WA? At Alpine Ridge Insurance, we will help you figure out your RV insurance. Call us today.