Owning a recreational vehicle can be a rewarding experience and affords families the opportunity to travel together. RV is a popular means of travel for Alaskans and tourists to Alaska, especially in Summer months. Recreational vehicle insurance is something new owners should consider first when deciding to purchase a RV. These vehicles have various designs requiring special consideration by insurance companies.
If you drive a RV, having insurance is the key to staying safe on the road.
RV drivers will want to consider a few kinds of insurance for their new ride. Some types of coverage include: replacement cost for personal effects, total loss replacement and emergency expense coverage. Many options cover damages and injuries that may happen when driving a RV, without even considering the potential of an injury caused by another person.
Another kind of coverage is recreational vehicle medical payments coverage, which covers your medical bills no matter who is at fault for the collision. This type of coverage comes in handy to protect your family in the event anyone is injured resulting in medical bills.
If you are struck by a RV, get the other party’s insurance information.
You will need to see if the other driver has RV insurance, in additional to their primary auto insurance. If not, you may have to rely on your own insurance to make up the difference. This is why you want uninsured and underinsured coverage for crashes regardless of fault.
A RV is heavy and because of the design, there are many items inside that may become debris in a crash. Gasoline and other flammable materials can catch fire, causing a threat to anyone in a collision. If you are in a crash involving a RV, call for help immediately. If safe to do so, turn off the vehicles and move to a safe location. Do not move anyone who is injured unless they are at risk of further injuries by remaining in place.
Contact Merdes Law Office, P.C. to meet with our highly experienced Alaskan personal injury attorney to discuss your case: 907.452.5400 or visit www.merdes.com. And while we hope you never need us… We’re here if you do.
