The Difference Between Car and RV Insurance in Monterey

Posted By : Aubrey mead , on Nov, 2017

 

When people think about insurance coverage for an automobile, most people feel that one insurance policy is no different than the other. However, nothing can be further from the truth in this situation. While there are many differences when insuring an RV, two big differences standout.

RV Liability Coverage

The first is liability coverage. There is no question that when it comes vehicle insurance, liability coverage is some of the most important coverage an insurance policy can entail. However, as it relates to car insurance, RV’s will easily eclipse the liability limits of a standard car insurance policy. This is primarily for two reasons.

The first reason is that because of the size of a typical RV, an RV will statistically be able to do more damage to another car if the two vehicles are involved in an accident. This will mean that higher levels of liability insurance will need to be added to the standard policy providing RV Insurance in Monterey.

Secondly, an RV owner will incur high costs for operating an RV over a standard car and, more pointedly, an individual may actually make their RV their permanent residence. What this effectively does is call for much higher levels of liability insurance coverage.

Suspending a Policy

One benefit that RV Insurance in Monterey has over standard car insurance is that the policy can be placed on hold. Some owners may only drive their RV over the spring and summer months. During the fall and winter, many RV’s are placed in storage.

Insurance providers understand this tendency and, with that in mind, RV insurance providers will often allow an owner to suspend their policy while the RV is in storage. Some insurance carriers may only allow for the suspension of road insurance coverage, like towing or collision insurance. Either way, it means less money paid on insurance that isn’t needed and this can be huge for older people living on a budget.

The thing to remember is that these are just a few of the differences in car versus RV insurance. If you own an RV and are looking for better coverage or you are considering buying an RV and you want to know more about RV insurance, a good resource to check out is Coastautoinsurance.com.

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