Protecting Yourself Against a Parked RV’s Liabilities

All RV insurance should include liability coverage to protect operators behind the wheel. However, there comes a point where someone will arrive at their destination and set up camp. At this time, driving liabilities will drop. However, liabilities associated with living in and around the RV will increase. If someone gets hurt at your campsite, then you might have to compensate them. You’ll need to ensure your RV insurance can assist you with these situations. 

RV Liability Insurance in Brief 

Liability insurance is coverage that will protect a policyholder if they accidentally harm someone else. In the context of RV insurance, it is coverage that will pay if the insured motorist is at-fault for a wreck. 

Most states require all drivers, RV operators included, to carry auto liability insurance. When a wreck is an RV driver's fault, they will have to pay for the damage they cause to both themselves and others. Liability coverage might pay third-party drivers, their passengers and others for their losses. However, the motorist liability coverage alone might not fully apply once you set up camp.

Understanding Campsite Liability Coverage 

You probably treat your RV campsite as your home away from home. And just like your regular home, there are still liability risks present. To protect yourself, you will likely need tailored liability coverage on your RV policy. Policies might refer to this coverage as campsite liability, vacation liability or full-timer liability insurance. 

When your RV functions as a home, you might have to address the fact that someone might get hurt on your property. No one wants these accidents to happen, but it is impossible to prevent every mishap. By augmenting your RV’s liability insurance, you’ll gain coverage for scenarios where someone gets hurt in an RV while it functions as a residence.

Suppose that while parked at an RV camp, a neighboring camper comes over to visit. As they are leaving, they slip on your steps, fall and sustain a head and neck injury. This injury might lead them to face high medical bills, lost income and other recovery costs. As a result, they might sue you for the damage or request that you pay for their losses. 

If your RV insurance covers you against campsite liabilities, then you will likely be able to get help for the injured person. You won’t have to worry about how you will afford to assist them with their recovery costs. Your coverage will address specific coverage needs depending on whether you only use your RV as a vacation home or live in it full time. To make sure you have what is right for you, disclose your intended use to your agent when you buy your RV insurance.