Is RV Insurance A Neccesity?

RVs are outstanding vehicles in Nashville, NC for embarking on long road trips because they are a vehicle and a home enshrined in one package. Rather than giving this stunningly beautiful experience of exploration, they also require formidable protection. In a nutshell, RV life can be both fun and liberating. At Hedgepeth-Hutson Insurance Services Inc., serving Nashville and its surroundings, we believe the best way to acquire magnificent RV insurance coverage is to garner the best insurance information. Keep reading to furnish yourself with reasons why RV insurance is a necessity.

Protect your asset

Anytime your RV cruises the roads in Nashville NC you must prepare financially for any abrupt occurrences that might strike it even off the road. Unluckily, calamities such as impending accidents and theft can put your assets in jeopardy. To halt these instances of paying cash, you need RV insurance to cater to repairs and of your RV.

Liability protection

RV insurance in Nashville, NC might shield you from claims, accident liabilities and expensive lawsuits. However, liability insurance in your RV caters to costs arising from injuries and property damage you propagate to other people, and you are found to be legally culpable.

Protect you and your passengers

RV insurance instills peace of mind, knowing that you and your passengers boarding your RV are guarded during a road trip or enjoying a vacation. In addition, if you purchase medical payment coverage on your RV insurance, your medical costs accrued are settled.

It’s a legal requirement.

Just like your car or home, many states, including North Carolina, require your RV to maintain liability insurance. Driving on the roads of North Carolina without this type of RV insurance may expose you to dire penalties and fines.

Do you need prolific RV insurance in Nashville, NC to protect you and your camp trailer? Please call or visit us at Hedgepeth-Hutson Insurance Services Inc. for more information about RV insurance.

Three expenses your RV insurance policy should cover

When you purchase RV insurance, it’s important that you understand exactly what coverage your policy is offering. At Hedgepeth-Hutson Insurance Services Inc., we provide RV insurance to RV owners in the Nashville, NC area.

The following are three expenses your RV insurance policy should provide coverage for. 

Repair costs for RV damage

A good RV insurance policy should provide collision coverage. This type of coverage will pay for repairs to the RV itself in an accident. 

If you purchase liability insurance alone, your RV insurance policy won’t provide coverage for RV damages. However, it’s always a good idea to invest in collision coverage to enjoy coverage for repair costs. 

Medical bills resulting from an accident involving the RV

Any RV insurance policy should provide liability coverage. Liability coverage is required by law if you’re driving your RV on public roadways.

RV liability coverage will pay for any medical bills that result from an accident for which the policyholder has been judged at fault.  

Property damage resulting from an accident for which the RV owner is at fault

Another type of liability coverage that a standard RV insurance policy should include is property damage coverage. 

In the state of North Carolina, an RV insurance policy needs to include at least $25,000 in property damage coverage. This coverage will come into play if the policyholder is deemed at fault for damages to the property of another party in an accident. 

Are you on the market for the right RV insurance policy in Nashville, NC? Let us help you find the right policy for your needs. You can reach out to us on the phone or via our website at Hedgepeth-Hutson Insurance Services Inc. for assistance with RV insurance concerns.