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  • Spend a few moments and read our "Cliff's Notes" on insurance. Learn the basics of BI/PD Liability, Medical Payments, and PIP Coverage. Should you waive UM? Take Insurance ED 101 right now, and then request a quotation.
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Not all coverages apply in all states. Read your policy carefully - it is your contract with the insurance company.   Bodily Injury Liability (BI) If you cause injury to another person while operating your insured vehicle and you are at fault, this coverage pays for the recoverable damages up to the limits of your policy. Your liability coverage benefits also include legal representation by an appointed attorney should you be sued by anyone involved in an accident for which you are determined to be at fault. Property Damage Liability (PD) If you cause damage to another person's car, home, or property while operating your insured vehicle and you are at fault, this coverage pays for the damages up to the limits of your policy. Your property damage coverage benefits also include representation by an appointed attorney should you be sued by anyone involved in an accident for which you are determined to be at fault. Personal Injury Protection (PIP) No-Fault States Only. If you, a household member, an occupant of your vehicle (not covered under his or her own policy) or a pedestrian are injured as a result of a vehicle accident, this coverage pays for the medical expenses, funeral expenses, lost wages, rehabilitation expenses and replacement service expenses sustained by an injured person. This coverage pays regardless of fault and is available only in states with no-fault laws.   Medical Payments If anyone occupying your vehicle is hurt, regardless of fault, this coverage pays for most medical, surgical, dental, hospital and funeral expenses in conjunction with PIP coverage, up to the limits of your policy. Uninsured Motorist (UM) If you, a household member, or an occupant of your vehicle should be injured by a hit-n-run, uninsured or underinsured driver, this coverage will pay for recoverable bodily injury losses, up to the limits of your policy. Don't skimp on Uninsured Motorist coverage. This is the coverage that pays your medical bills if you are injured by someone without insurance. Furthermore, UM coverage pays for loss of earnings, and pain and suffering damages. We recommend that you carry UM coverage equal to your BI/PD liability limits. When you receive your quotation from RV America we'll automatically include UM coverage for you. Collision If your vehicle is damaged in a collision, this coverage will pay for repairs, or if a total loss, the actual cash value of your vehicle, less policy deductibles. Additionally, your comprehensive coverage will pay for losses caused by theft, vandalism, windstorm, fire, and flood. Additional Coverages In some cases, you can elect coverage that pays for towing, rental allowances, and/or add-on equipment. Click here for your Quote