Like standard auto insurance, RV insurance is required for all RV owners in the state of Missouri. To be allowed to register and drive your RV or motorhome, you'll need to have at least the minimum required coverage in place. RVs can get into accidents while on the road, but due to their sheer size, the damage can be much more significant, making adequate coverage even more important. Here's what you need to include in your policy.
For starters, you'll need coverage to apply to medical care for anyone who is injured in an accident involving your RV. Missouri requires at least $25,000 in coverage per person for each accident, along with at least $50,000 to cover all people injured in the accident. Of course, it is always smart to obtain the maximum coverage you can reasonably afford beyond the minimum requirements, so you don't wind up having to cover the costs yourself if a claim exceeds your limit.
This coverage component will go towards fixing any damage to other drivers' vehicles, buildings, fences and other physical property your RV damages. It does not apply to damage to your RV. For this, you'll need optional collision coverage. The minimum coverage requirement in this category is $10,000. Again, it is best to get more coverage than the bare minimum if you can afford to do so for your own peace of mind.
Even though insurance is required by law in Missouri, you may encounter drivers who choose to ignore the law. It is also possible that their coverage may not be high enough to cover all damages to your RV, particularly for luxury models. This aspect of your coverage will fill in any gaps so you aren't left with an out-of-pocket bill.
Here at Le & Associates, we are proud to offer RV insurance for Missouri drivers. Reach out to our team today to learn more about this coverage and put together a policy that suits your needs and budget.
