As an RV'er traveling accross America stoping at your favorite campground, a very important coverage you need to verify on your policy is campground/premises/full timer liability.
This liability coverage is similar to your homeowners' liability insurance. This coverage is designed to protect you in the event your new neighbors stop by for a visit and become injured while stepping into your RV or trip over your campsite equipment. It is the slip and fall coverage we all know liability insurance to cover.
This compares to the same situation when your neighbors are invited for dinner and accidentily trip/fall and need medical attention.
Your RV's auto liability coverage does not apply as "campsite" liability. It is solely designed to cover your RV when you cause an accident while on the road.
Hope this helps explain why your RV insurance poicy should list two seperate liability limits.
Thursday, May 6, 2010
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