|
|
|
Policy Overview
|
|
|
![]() |
|
|
Insurance 101
|
|
|
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
|
|
|
|
|
|
|
|
|
|
|
|
|
|
