RV insurance is available through your automobile insurance. You may get insurance on this type vehicle just as you would on an automobile through Linda Dugan Insurance in Astoria, OR. Some liability is required on RVs that have to be registered, but there are some RVs that do not have to be registered. Your RV is probably valuable, so it makes sense to have coverage, and you can get the same coverage – liability, collision and comprehensive – that you get for your automobile.
If you have a loan you are paying on an RV, you will have to have insurance.
In Oregon, there are specific definitions for what an RV is. A camper is something that is pulled behind a motorized vehicle. It must have sleeping and cooking facilities and more than six feet long. If it is less than that, it is not considered an RV. A camper permanently attached to a truck is considered a motorhome, and part of the truck.
A motorhome is like the above but has a permanently attached motor that drives the vehicle.
The need for liability insurance is obvious, as you must be able to pay for damage you cause. Most RV’s are valuable, so it also makes sense to have insurance that will cover the cost if your RV suffers major damage in an accident.
You must have proof of insurance to register the vehicle, and if it is of a certain size, it must be registered to be legal.
Call or come by and visit Linda Dugan Insurance in Astoria, OR to learn more about ensuring your RV. You may also visit online to get more information. There are a lot of options available, so let us help you determine exactly what you need to fit your situation.