Frequently Asked RV Insurance Questions
Q: Will my rates change if I move to
another state?
A: Yes. Each state has its own rate. Coverage could vary from one state to
another.
Q: Am I covered if anyone else,
other than I as named insured, should operate my RV?
A: Yes. Anyone you give permission has the same coverage you do, as long as
you are not renting to these individuals. If the person is more than an
"occasional" driver, you really should have them added to your policy.
Q: How are my claims handled while I
am on the road?
A: You will receive a claims card and a toll-free number with your policy.
Professional Claims adjusters are on duty 24 hrs a day, 7 days a week
through out the United States and Canada to assist with your claim.
Q: Can we add auto(s) to the motor
home policy?
A: No. You need specific coverages for a motor home that an auto policy does
not give you i.e. liability while you’re in a camp ground, personal effects,
and emergency expenses.
Q:
Will the extra items I have added to my RV be included in the replacement
cost settlement in the event of a total loss?
A: No, if these purchases total $1,000 or more call your agent and increase
the purchase price for additional coverage. This may increase your premium,
but will ensure proper coverage.
Q: Is my current motor home
liability coverage good in Mexico?
A: No, you must buy Mexico Liability Insurance from a licensed Mexican
Insurance Company before entering Mexico or call FCIS Insurance for coverage.
Q: Is damage to our motor home
covered while we are touring Mexico?
A: Yes, if you have these two things, first a Mexican Endorsement on your
policy that extends your comprehensive and collision coverage into Mexico
and second you have purchased Mexican Liability before entering Mexico.
Liability policy must remain in force while in the country of Mexico
otherwise comprehensive and collision is null and void coverage.
Q:
Is my vehicle being towed covered on my motor home policy?
A: No, your tow vehicle should have its own policy for comprehensive,
collision and liability coverage when it is not in tow. When you are towing
a trailer, fifth wheel or car there is liability coverage from the towing
vehicle policy.
Q: Is there a need to do anything if
traveling into Canada?
A: You need to acquire a Canadian Trip Card from your agent. This card is
written in both French and English.
Q: If I get a chip in my windshield
will it be considered a claim against my policy?
A: No. As long as the windshield is repaired and not replaced. The chip can
be no larger than a quarter for repairs to be made. Most companies will
waive the deductible when a windshield is repaired.
Q: If I live in my motor home do I
need special coverages?
A: Yes. If you are in your RV more then 150 days you need special coverages.
Ask your agent for a full-timers comprehensive personal liability policy.
This adds “homeowners-like” coverage to your RV policy.
Q: Am I, as the insured, covered
under the bodily injury portion of my policy?
A: No. You cannot be liable to yourself, however, you would be covered under
the medical payments portion of your policy.
Q: When I rent a car from a rental
agency, does my motor home policy extend to the car?
A: No. Your motor home policy extends only toward a replacement motor home.
Q:
If I decide to have my local dealer sell my RV, does my policy have coverage
for damage to my vehicle?
A: No, when your unit is on the dealer’s lot for sale or consignment
coverage is not provided by your RV policy. Seek advice from your agent.
Without “care, custody and control” our policies will not cover you.
Q: If I have taken a safe driving
course for my RV, would I be eligible for a discount?
A: In many states there is a discount for taking a safe driver or defensive
driver class, if taken within the last 3 years. (This is usually a 6-8 hr
class.) In order to keep the discount you need to retake the class every 3
years. In some cases a Commercial Drivers License will meet this
requirement.
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