We represent the top Florida RV and motorhome insurance companies. Considering you may be on vacation when you have a claim, it’s important to have coverage that will pay for expenses you incur while your motorhome claim is being sorted out. Do you know how your policy will respond?
WHAT COVERAGE AM I REQUIRED TO CARRY?
Florida requires you to carry a minimum amount of insurance in order to register your motorhome. Many insurance companies offer coverage to meet this requirement, but the key to saving money is to shop around. That’s where we come in. We have the tools to shop the top companies in Florida to find you the best rate.
In Florida, you must carry:
- A minimum of $10,000 of personal injury protection (PIP).
- A minimum of $10,000 of property damage liability.
Personal Injury Protection
- PIP) covers you in an accident, regardless of fault. The coverage is $10,000. PIP pays:
- 80 percent of reasonable medical expenses.
- 60 percent of lost wages.
- Up to $5,000 death benefit.
Property Damage Liability
- Pays for damage to property owned by others accidentally caused by you or the driver of your motorhome.
- Covers property such as fences, utility poles, buildings, vehicles, etc.
Bodily Injury Liability
- Pays for injury you cause to others while driving your motorhome. This also pays for your legal expenses incurred.
- Is strongly recommended.
- Is not mandated by Florida law unless you have demonstrated financial irresponsibility following a previous accident.
- If you are at fault for an accident, and do not carry bodily injury, your license will be suspended until you can pay back restitution to the injured party. You will also be required to carry bodily injury and a financial responsibility filing for 3 years.
WHAT OTHER COVERAGES ARE AVAILABLE ON A FLORIDA MOTORHOME INSURANCE POLICY?
- Medical payments. Most carriers offer up to $10,000 for medical payments. This pays for medical expenses due to an motorhome related injury.
- Uninsured motorist. In the event you are injured by someone who does not have insurance or enough insurance to pay for your medical expenses. It also pays for lost wages and a death benefit up to the limit you choose. You cannot carry more uninsured motorist coverage than you carry for bodily injury liability, so keep that in mind when you make your purchase.
- Comprehensive coverage. Pays for damages to your motorhome outside of an accident. For example, theft, vandalism, windstorm, or if you strike an animal. Comprehensive also covers damage to your glass. In Florida if your front windshield is damaged, your carrier will replace it at a zero deductible regardless of the deductible you choose for this coverage.
- Collision coverage. Pays for damage to your motorhome when it is involved in a collision.
- Car rental coverage. Pays or helps pay for a rental motorhome while your motorhome is being repaired due to damage covered under the comprehensive or collision portion of your policy.
- Towing and labor. Pays for towing or service costs associated with a breakdown or locksmith in the event you lock your keys in your car.
- Gap coverage. If your motorhome is totaled and you owe more than what the motorhome is worth, the gap coverage will pay off the loan amount.
- Vacation liability. This protects your liability while your motorhome is parked. If a guest is injured coming in or out of the motorhome or if they are injured while inside. It is similar to a homeowners liability policy, but with some variations.
- Emergency Vacation Expense. Provides coverage for lodging and transportation if an RV is damaged during a trip.
- Full Timers Coverage. Extra coverage for customers who use an RV as their home.
HOW CAN I SAVE MONEY ON MY MOTORHOME INSURANCE?
- The best way to save money on your motorhome insurance in Florida is to shop around. Our experts have access to more than 10 top Florida motorhome insurance companies. GET A QUOTE NOW!
- Mature Driver. If you are 55 or older, you may qualify for a discount by successfully completing an accident prevention course. For more information, contact the AARP at 1-888-687-2277, or the National Safety Council at 1-800-621-7615.
- Retired? If you have retired or otherwise do not earn wages, you may reduce your premium by excluding coverage for lost wages.
- Deductible. You may increase your deductible in order to reduce your premium, but you should carefully consider such factors as how much of a discount you will receive for a given deductible, and how much you can afford to pay for each claim.
- Good driver discounts. Many companies offer discounts to policyholders with accident free driving records and violations for an extended period of time.
- Older motorhome. You may drop collision and/or comprehensive coverage on older motorhomes because of their decreased value, unless a lienholder, such as a bank, requires it.
- Restraint Systems and Anti-theft Devices. Companies may offer discounts for certain
equipment such as anti-lock brakes, air bags, anti-theft devices or motorhome-recovery systems.
- Type of motorhome. Newer, more expensive motorhomes are more costly to repair or replace, and insurance prices reflect this.
- Territory. Where you keep and drive the motorhome, population, and the number of accidents in an area can all affect risk. This is why drivers in heavily populated cities will generally pay more for insurance than rural drivers.
- Usage. Someone who uses their motorhome less than 30 days a year will pay less for their insurance than if you were using it more than 30 days out of the year.
- Credit history. Insurance companies are permitted to use credit history as one of the factors that determine risk, and therefore premium cost.
HOW DOES INSURANCE PAY IF I AM IN AN ACCIDENT?
When you are at fault for an accident your insurance company is liable to pay for damage and injury you cause to another party. Your policy would pay these expenses up to your policy’s limits.
- Bodily Injury Liability pays for injuries you cause to the other party.
- Property Damage Liability pays for damages you cause.
- PIP pays for injuries to you and people in your motorhome that may not have their own PIP coverage.
- Medical Payments also pays for injuries to you and your passengers.
- Collision pays for damage to your vehicle less your deductible.
- Emergency Expense pays for lodging and transportation while your motorhome is being repaired.
When the other party is at fault for an accident their insurance company is liable to pay for damage and injury they cause to you and your passengers. Their policy would pay these expenses up to their policy’s limits.
- In Florida, since we are a no fault state, any injury must be filed under your policy’s PIP coverage. Once those funds are exhausted the at fault party’s bodily injury should pay for any remaining medical expenses and lost wages up to their policy limit.
- Uninsured Motorist would pay medical expenses and lost wages up to your policy limit if the at fault party’s policy limit is met or if they do not have current insurance coverage.
- Their Property Damage Liability pays for damages to your motorhome as well a rental vehicle while your motorhome is being repaired.
- Your Medical Payments also pays for injuries to you and your passengers.