RV Insurance in Alabama
To drive an RV in the state of Alabama, you must protect it with insurance, just like you would any other vehicle. It is important to note that this requirement only applies to self-powered RVs, not those pulled by a truck or other towing vehicle. To meet the legal requirements in the state, your RV insurance must meet specific minimum requirements.
Required RV Insurance Coverage in Alabama
First of all, you'll need to have liability coverage to apply to any injuries and property damage resulting from an accident involving your RV. Bodily injury liability goes towards the medical expenses of those injured in the accident. Your coverage must include at least $25,000 per person and $50,000 per accident. You must have at least $25,000 in coverage for damage to other vehicles. Of course, you can get more coverage than these minimum requirements, and it is smart to do so if it fits in your budget.
Although not all states require it, Alabama does mandate that all RV drivers have uninsured and underinsured motorist coverage. This protects you if you are in an accident with someone who either doesn't have insurance or whose coverage limit is too low to care for your medical expenses after the accident. You must have at least $25,000 per person and $50,000 per incident in coverage in this area, though you can increase these limits if you wish.
Optional RV Insurance Coverage
Uninsured and underinsured motorist coverage is only required for bodily injury. If you wish to protect your RV, you have the option of adding property damage coverage in this category. For the contents of your RV, you also have the option of adding contents coverage. Vacation liability coverage is another attractive option, as it protects against damage to your RV while it is parked at a campground or other vacation site.
Protect Your RV with Insurance
For all your RV insurance needs in Tuscaloosa, AL, and throughout the state, you can count on Baldo-Downs Insurance LLC. Get in touch with us today for a free consultation to discuss your needs.