RV insurance is a required insurance- by law- across the United States for any driver that owns or rents an RV vehicle. However, there are guidelines that will have to be followed to ensure that you are purchasing the proper type of protection according to your RV vehicle classification (Class A, Class B or Class C) and that you are fully covered from liability in the case that you are in an accident in your RV. There are also different insurance considerations if you live in your motor home full time.
In Florida, the minimum amount of insurance that must be purchased for an RV is liability insurance, which will insure the driver against fault for personal injury or property damage claims, as well as death. In Florida, a minimum policy would include up to $10,000 for personal injury protection as well as $10,000 in property damage. However, if there is a claim in place that would exceed those amounts, you would be liable to pay the difference- not your insurance carrier. Often, in the case of a major accident, medical claims alone can exceed those amounts.
If you are found to be at fault in an accident, you are liable for all medical bills associated with injuries that are sustained by the other party. If you are unable to pay and don’t have the coverage in place to cover those additional expenses, you are at risk of losing your license until the medical expenses have been paid. Having additional insurance in place is a smart move to circumvent running into these problems in the future. Probably the most recommended additional insurance coverage is Bodily Injury Liability. This insurance will cover any drivers or passengers that are injured, even if the accident is your fault. This additional coverage will also help in paying for legal fees if you are being sued.