Before you back out of your Flatwoods, KY, driveway in your RV, make sure you carry the proper insurance. If you drive your truck or SUV and tow your RV, such as a towable pop-up trailer or fifth wheel, you don’t need a separate RV policy. For any RV that you drive, the state of Kentucky requires insurance on it. At Roark Insurance Agency, we provide the RV insurance you need to remain in compliance with state law.
What Insurance Does Your RV Need?
RV insurance falls into the category of motor vehicle insurance. Like other forms of insurance that cover motor vehicles, the policy purchased must meet state minimum requirements. If you recently moved to Kentucky, you’ll need to update your RV insurance to meet this state’s insurance requirements of:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $25,000 for all property damage per accident
- $10,000 personal injury protection (PIP) per person.
Once you’ve met the state requirements, add coverage like comprehensive and collision to protect your vehicle. Comprehensive reimburses you for repairs to your RV if a peril named in the policy damages it. Examples of perils include fire and tornado. Collision reimburses you for repairs to your RV if it gets damaged in an accident of any kind.
A few lesser-known coverage types can provide vital help when traveling in your RV. Roadside assistance coverage provides a tow truck, locksmith, or mechanical assistance to your location. If you run out of gas on the interstate, call roadside assistance, and they’ll bring a gallon of gas to you so you can reach a gas station. Rental car coverage pays for a rental car or RV if your RV must go into the shop for repairs or gets totaled in an accident.
Contact Roark Insurance Agency Today
Contact Roark Insurance Agency today for an RV insurance review. Let us help you protect your finances while you enjoy the country in your RV. Don’t leave Flatwoods, KY, without proper insurance coverage.
