When you pull into a campground, liability is probably the last thing on your mind. But accidents happen, and at Linda Dugan Insurance in Astoria, OR, we think it’s worth understanding what your RV insurance actually covers before something goes wrong.

What Liability Coverage Means

Liability coverage in your RV policy protects you if you’re found responsible for injuring someone or damaging their property. At a campground, that could take many forms: maybe your awning falls and damages a neighbor’s vehicle, or someone trips over a hookup cable and gets hurt. Without the right coverage, you could end up paying those costs out of pocket, and they can add up fast.

What the Campground Does Not Cover

Many RV owners assume the park’s insurance protects them too, but that’s not how it works. The campground’s policy covers its own property and business operations, not you. If an incident involves you or your rig, responsibility falls back on your own policy. Some parks even require proof of liability coverage before allowing you to set up.

Parked Versus Moving Makes a Difference

Your coverage can also change depending on whether your RV is being driven or parked at a campsite. Some policies treat a parked RV more like a home, while others handle it differently. Reviewing your policy carefully can help you avoid an unpleasant surprise when you actually need it.

Find Out What You Are Working With

Knowing your coverage before you pull out of the driveway matters. Reach out to Linda Dugan Insurance in Astoria, OR, today to get a clearer picture of what your policy actually includes.

---