Why You Need recreational vehicle Insurance
Learn More
Spot On Coverage
Some RV’s we help find coverage for:
REQUIRED BY LAW:
Michigan mandates that all drivers purchase four RV insurance coverages.
LIABILITY PROTECTION:
Shield yourself from liability for injuries, property damage, and lawsuits.
YOUR MEDICAL EXPENSES:
Ensure coverage for medical expenses for you and your passengers in case of an accident.
PROTECTION FOR YOUR RV:
The four required coverages in Michigan do not provide protection for damage or replacement of your Recreational Vehicle (RV). To ensure coverage for your RV, Collision and Comprehensive coverages are needed.
Michigan Law Requires You to Purchase Four RV Coverages:
Personal Injury Protection (PIP):
Provides coverage for medical expenses of Michigan driver’s and their passengers, regardless of fault.
In Michigan, each driver’s PIP covers their own medical expenses and those of their passengers, regardless of fault.
If a Michigan driver is at fault in an accident involving a non-Michigan driver, their required Personal Injury Protection (PIP) coverage will also cover their medical expenses as well as those of their passengers.
On the other hand, if a Michigan driver is NOT responsible for an accident involving a non-Michigan driver, the non-Michigan driver’s Bodily Injury Liability coverage will cover the Michigan driver’s medical expenses and those of their passengers.
Personal Protection Insurance(PPI):
Covers the costs of repairing or replacing a Michigan resident’s damaged property in an accident, regardless of fault.
This coverage extends up to $1 million for property damage, including buildings, fences, and properly parked vehicles.
PPI does not cover damage to the Michigan driver’s vehicle or their property. To cover damages and repairs to your auto, the Michigan driver would need to purchase optional Collision and Comprehensive Coverages.
Bodily Injury Liability(BI):
Provides protection for injuries to people in other vehicles if the accident involves a non-Michigan driver.
This coverage pays for the medical expenses of others if a Michigan driver is at fault in an accident involving a non-Michigan driver. BI coverage also extends to passengers in the non-Michigan driver’s vehicle, as well as pedestrians or cyclists who may be injured. BI includes compensation for medical costs, pain and suffering, and lost wages for the injured parties.
However, BI does not cover injuries sustained by anyone in the Michigan driver’s vehicle. Injuries resulting from an accident are covered under the Michigan driver’s required Personal Injury Protection (PIP) coverage.
Personal Damage Liability (PD):
Covers property damage, including vehicles, for non-Michigan drivers.
This coverage pays for the costs of repairing or replacing a non-Michigan driver’s damaged property if the Michigan driver is found at fault. PD insurance covers repairs to their vehicles, buildings, and other damaged property.
However, PD does not cover damage to the Michigan driver’s vehicle. To cover damages and repairs to their vehicle, the Michigan driver would need to purchase optional Collision and Comprehensive coverages.
Optional RV Insurance Coverages:
Collision Coverage:
Assists in covering the costs of repairing or replacing your RV after an accident, regardless of fault.
Example: While avoiding hitting a deer, you end up plowing into a guardrail, causing $5,000 in damage to your RV. With a $500 collision deductible, you’ll pay that amount, and your insurance company will cover the remaining $4,500.
Comprehensive Coverage:
Protects protection against non-collision events beyond your control, such as theft, fire, vandalism and more.
Example: Your RV is damaged by a hailstorm, resulting in $3,500 of damage. With comprehensive coverage and a $250 deductible, your insurance company will pay $3,250 and you’ll pay $250 to get your RV fixed.
Uninsured/Underinsured Motorist Coverage (UM/UIM):
Provides coverage for injuries and property damage resulting from an accident caused by a driver with little or no insurance.
Example: You’re rear-ended in your RV by a driver who doesn’t have insurance. UM/UIM can cover your $10,000 medical bill and RV repairs up to your $100,000/$300,000 limits. Your bills are paid in full because they do not exceed the coverage limits.
Replacement Cost for Personal Effects Coverage:
Personal property inside your RV is covered up to the limits you specify.
Example: You accidentally run over your cellphone and camera. Your policy can pay to replace the items up to the limits of your coverage.
Roadside Assistance Coverage:
Covers towing services if your RV breaks down for any reason.
Example: You’re physically unable to change a flat tire, and you need help. Fortunately, you have roadside assistance coverage with a $100 per tow limit, which pays to get your RV to the nearest repair shop.
Total Loss Replacement Coverage:
Your totaled RV will be replaced with a brand new one, minus your deductible, if your RV is five model years old or less. If your RV is older than five model years, you’ll receive the amount specified in your policy.
Example: If your totaled RV originally cost $75,000 but is only worth $55,000 today, you’ll be compensated to replace it with a new one of the same model year or later and the same trim level or better—even if it costs more than the original vehicle’s purchase price.
Full-Timers Liability Coverage:
You’re covered up to a specified limit if you’re liable for injuries that occur in and around your RV. Full timer’s liability is designed for those who use their RV as a permanent residence.
Example: You are sued after a guest slips and falls in your RV.
Loss Assessment Coverage:
Covers any fees or charges imposed by your RV association, up to $5,000.
Example: Your RV association may require members to contribute to repair costs for damages to shared areas caused by a storm.
Emergency Expenses Coverage:
You receive up to $750 for transportation, hotel costs, food, and fuel if your RV becomes disabled (more than 50 miles away from your primary residence) due to a covered loss or non-covered loss (such as a power outage or a mechanical or electrical breakdown), or if an evacuation is required and you’re unable to use your RV as a residence.
Example: While on a road trip in your RV, it breaks down far from home. You need lodging and transportation until your RV is repaired.
Pest Damage Protection:
If your RV is damaged by a non-domesticated animal, such as a bird, rodent, or mouse, pest damage protection can cover the repairs. Your RV must be less than six years old to be eligible for coverage and a $250 deductible applies.
Example: You often leave your RV open when you’re camping, and a family of mice gets inside, causing damage.
Pet Injury Protection Coverage:
If your dog or cat is injured in an accident while riding in your RV, you can receive up to $1,000 to cover their vet bills. No deductible applies.
Example: Your dog travels with you everywhere in your RV. Unfortunately, the dog is injured when you are forced to slam on the brakes to avoid an accident.
Roof Damage Protection:
Pays for repairing or replacing the damaged roof of your RV. It includes wear and tear on the roof and damage caused by its malfunction. This coverage is available for RV’s less than six years old, with a $250 deductible applying.
Example: Continuous exposure to harsh weather conditions in Michigan causes your RV’s roof materials to degrade, resulting in cracks, leaks, and overall deterioration.
Potential Savings to Explore:
Insurance discounts can differ depending on the insurance provider you select. It is important to note that not all carriers offer the same discounts.
Payment Discounts:
Pay in Full: Save by paying your entire RV premium upfront rather than making monthly payments.
On-Time Payments: Receive adiscount simply by making your RV insurance payments on time.
Safe Driving Rewards:
Responsible Driver Discount: You’ll qualify for a discount if you have maintained a clean driving record with no accidents or motor vehicle violations in the past three years.
Claim-Free Renewal Discount: You will receive an automatic discount on your RV insurance policy renewal if you have had no at-fault claims.
Policyholder Savings:
Quote in Advance: Earn a discount by obtaining an RV insurance quote at least one day before your policy begins.
Original Owner Discount: As the original owner of your RV, you are eligible for a discount when you carry Comprehensive and Collision coverages.
Homeowner Discount: Enjoy a discount for being a homeowner, regardless of whether your home is insured through your RV company.
Continuous Coverage Discount: Some companies offer discounts based on the length of time you’ve been continuously insured with your previous insurer.
Online Savings:
Paperless Discount: Receive a discount by choosing to receive your RV insurance documents via email.
Flexi-Bundle™ & Save:
Flexi-Bundle™ Discount: Combine up to four insurance products and select from up to four insurance carriers.
Frequently Asked Questions
I Know What I Need
I am ready to proceed.
I Need More Information
Click on the “Spot on Coverage” button to learn more.
I Want to Start a Flexi-Bundle
Click on the “Flexi-Bundle” button and save.
Please Note:
At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.