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You have parked your RV at a campsite in Astoria, OR, set everything up, and settled in for a relaxing weekend. A neighboring camper walks over to say hello and accidentally trips over your leveling blocks, injuring themselves.
Scenarios like this can disrupt even the most carefully planned getaway. Accidents happen, and the best way to protect yourself from the unexpected is to have the right RV insurance in place before your trip.
The Imperfect Storm: Guests, Rain, and Slippery Campsites on the North Coast
Astoria, OR, experiences frequent rainfall, which can create wet steps, muddy ground, and slippery surfaces throughout a campsite. These conditions make it easier for someone to fall, even when you have taken reasonable precautions.
You cannot control the weather, but you can make sure you have liability coverage that protects you if a guest is injured while visiting your campsite.
What RV Liability Insurance Covers in Oregon
Many RV owners assume their standard RV insurance applies to accidents involving guests at a campsite. This is not always the case. Coverage depends on the specific terms of your policy.
Oregon law (ORS 806.010) requires motorized recreational vehicles driven on public roads to carry liability insurance. This coverage applies to injuries or property damage you cause while the vehicle is in motion. It does not automatically extend to injuries that occur after the RV is parked at a campsite.
The team at Linda Dugan Insurance can review your policy to determine whether you have the correct coverage for campground-related incidents.
Why Vacation Liability Matters for RV Insurance
Liability coverage while driving and while parked are two distinct types of protection. Once you settle into an RV site near the coast or at Fort Stevens, your driving liability coverage may no longer apply.
Vacation liability, also called campsite liability, provides coverage when a guest is injured at your campsite. It functions similarly to the liability portion of a homeowners’ policy, providing coverage for incidents that occur on the site where your RV is parked. Not every RV insurance policy includes this coverage automatically, so reviewing your policy is important.
Double-Check Your RV Insurance Coverage
At Linda Dugan Insurance, our team can walk you through your policy and help you confirm that you have the protection you need for your RV trips. Reviewing your coverage before your next getaway ensures you are prepared for unexpected situations and can enjoy your time away with confidence.
