Unfortunately, a standard automobile insurance policy is not enough to cover a recreational vehicle (also known as an RV or a motor home).  The reason for this is that RV insurance needs to contain elements of both auto and property coverage.  It is just as important to protect the contents of your RV as it is to protect the RV itself.  While most auto insurance carriers can cover a rented RV on a short-term basis, owned motor homes deserve the protection available through specialty carriers.

Specialized RV insurance is a blend of both auto and homeowner’s insurance.  So this means that, unlike auto or home insurance, RV insurance requires coverage for both living and driving purposes.  One of the most important things you can do when getting insurance for your RV is to insure the vehicle for its purpose.  Generally, specialized RV insurance packages are the best way to insure your RV.  

There are a variety of features that can be covered under specialized RV insurance, such as:

Total Loss Replacement (TLR)

Agreed Value Coverage

Full-Timer Coverage

Personal Contents Coverage

Disappearing Deductible Coverage

Add-on and Tow Dolly Coverage

Emergency Travel Expenses

Vacation Liability

24-Hour Emergency Roadside Assistance

Additionally, if your trip has you traveling to Canada or Mexico, your current RV insurance policy may not be sufficient.  You should check with PoliSeek to ensure that your coverage will protect against any damage or theft to your RV while you are out of the country.  You should also keep in mind that if you are towing a vehicle or trailer, you can add those onto your policy as well.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Do you need auto insurance if you have a learner’s permit?  This is a question that comes to mind for most young drivers and their parents.  The car that the permitted driver practices in (with a licensed adult) must be insured. 

This means that if a driver has a learner’s permit and will be learning on his or her parents’ car, it’s the parents’ insurance that will cover the driver during this time.

Whether the permitted driver is required to be a listed, rated driver on the insurance policy depends on the state and the insurance carrier. This should be verified with the insurance company.  For example, the parents of the permit driver may need to formally notify the insurance company that their son or daughter has a learner’s permit and will be driving the family car.  Most insurance companies do not charge extra during the learning process, but will begin charging when the student driver becomes a licensed driver.  Families should always contact their auto insurance carrier to make sure that all drivers are covered.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Hopefully you’ll never be required to have an SR-22 filing. An SR-22 is not a type of insurance, but rather documentation proving you are insured. Typically, a driver is required to have an SR-22 filing if they have been a habitual offender of traffic offenses, been convicted of a DUI or been caught driving without insurance.

An SR-22 filing is proof that you carry the required insurance for your vehicle and if sought, must be filed with your state’s Department of Motor Vehicles. SR-22 requirements and procedures vary by state. If you are required to file one, you must receive it from your insurance company. However, not all companies issue them. And if they do issue them, they may not issue one to you. Each company can use its own discretion to whom they decide to issue these SR-22’s to.

There are a few states that do not require an SR-22 filing. They are Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania. However, if you have an SR-22 and move to one of these states, you’ll have to continue to meet the requirements from the state where the SR-22 was issued. If you are required to have an SR-22 filing, you don’t have to carry it on you at all times. Since it must be filed with the State’s Department of Motor Vehicles, it is on your record, which is accessible to all law enforcement.

Hopefully you won’t have to file for an SR-22, but if you do, check here for some good rates.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.