If you are looking for a fun mode of transportation and a way to see the country, buying an RV can be a great option. When you do choose to buy an RV, you will also be making a very big purchase and investment. Because of this, you will need to have insurance on the RV to ensure you are properly protected. There are several different types of requirements that RV owners will need to have in place.
When you are looking to drive an RV, you will first need to comply with the state minimum liability requirements. For those that are in the Bethlehem, PA area, the state of Pennsylvania has minimum liability requirements for all drivers of RVs. Their requirements are identical to the requirements set forth for all automobiles. The state requires that you carry bodily injury liability coverage of at least $15,000 per person and $30,000 per incident. You will also need to have coverage of at least $5,000 for property damage liability and uninsured motorist coverage of $15,000 per person and $30,000 per accident.
Additional Coverage Requirements
While the state only requires that you carry liability insurance coverage, it would also be a good idea to carry additional types of insurance coverage. Some other options to consider include carrying collision and comprehensive insurance coverage. These types of insurance will provide you with coverage in the event you are at fault in an accident or are in an accident with an uninsured motorist. Comprehensive coverage will also provide you with coverage if your vehicle is stolen or damaged. If you took out a loan to buy the RV, you will be required under the loan agreement to carry these types of coverage.
For those that are in the Bethlehem, PA area, reaching out to the Saucon Insurance Agency could be a good option. The Saucon Insurance Agency can help you get into an RV insurance policy that provides you with the coverage you need.