At Securum LLC, we have many Bellevue, WA come to us with claims related to damage that their children caused. This situation can be very frustrating both for the parent and the insurance provider. That’s because your policy is limited in what kind of help it may provide in this situation. Understanding why will help ensure that you do what you can to protect your vehicle.
What Your RV Policy Will Cover
If you have a wild kid who gets into trouble whenever you go camping in your RV, you must make sure that they don’t damage your vehicle. Unfortunately, negligence by you or your children (who are considered part of your family and controlled by you) is NOT covered by RV insurance.
Instead, RV insurance is designed to cover things like property damage liability, injuries to someone caused by your RV, collision problems, vandalism, fire, storms, floods, theft, uninsured motorists, medical payments to your or your passengers, towing, repairs, and vacation liability.
Think of an RV insurance policy as being a combination of your home and auto policies. Like these coverage options, your recreational vehicle policy won’t cover things caused deliberately by a child in your family. It’s just not how insurance works – and it is vital to prepare by talking to your insurance company about this potential issue.
Do You Need a Policy?
Regardless of this information, it would help if you still had an excellent RV insurance policy to protect your Bellevue, WA RV. So make sure to contact us at Securum LLC to learn more about the options available to you. Our team will sit down with you, figure out what kind of coverage works for your needs, and then provide the high-quality protection that makes the most sense for you.
