In the State of Kentucky, there are minimum insurance requirements for your RV, just as there are for your vehicles. Your RV is a valuable asset and should be fully protected in the case of an accident, which can be very costly to repair or replace. If your RV is financed, the lender will mandate that you carry insurance on it until it is paid off.
What are the Kentucky State Minimums for Liability Insurance?
The minimum insurance coverage for RV's is expressed as 25/50/10/10. You must carry bodily injury protection of $25,000 per person, $50,000 liability injury protection for each accident, $10,000 in property damages per accident, and $10,000 of personal injury protection for yourself.
What Are the Additional Types of Coverage Available?
The state minimum coverage protects others in the case that you cause an accident and the first three portions will pay out to others for injuries and damages to their property. The fourth portion does give you personal injury protection for yourself, although it may not cover all your medical expenses. To be fully covered, you should consider adding additional insurance to your RV from Whitt Insurance Agency.
Comprehensive coverage will pay out to you in the event that there are damages to your RV that are not accident related, such as theft or fire. Collision insurance will pay for repairs to your RV or a replacement in case of a total loss due to an accident.
Vacation liability covers the costs of other's injuries or their property damage when you are using your RV for vacation purposes. Roadside assistance is a valuable addition to your insurance policy, as it helps you to obtain repairs when you have mechanical difficulties, need a tire changed or several other items that can render your RV unable to drive.
At Whitt Insurance Agency, we know that securing insurance can be quite confusing and we are here to help you with this task. You can come to our office or give us a call to learn more about RV insurance. Reach out to our agents to get a quote.