Whether you plan on driving your RV down the street or across the country, you need an active insurance policy. It’s important you are aware of the coverage that is required by CO to ensure you are in compliance with the current RV insurance laws. Here are the facts and coverage options for your RV in Arvada, CO.
Is RV Insurance Mandatory in CO?
If you plan on operating an RV, you’ll need adequate insurance coverage. In Colorado, as an RV driver, you are required to carry liability insurance and underinsured/uninsured motorist coverage. Underinsured/uninsured motorist coverage is necessary :
- If you are using the RV part-time
- If you’re renting an RV to take a vacation
- When you purchase an RV, trailer or camper
- If you live in the RV full-time
Even though you may have an active homeowner’s insurance policy or auto policy, these insurance options do not provide adequate coverage for your RV.
What Does RV Insurance Cover?
RV insurance in Colorado includes:
Collision Coverage – This coverage handles the expenses if you collide with one or multiple objects or vehicles, regardless of who is at fault.
Liability Coverage – This insurance coverage handles the expenses associated with bodily injury, property damage, and legal fees if you are at fault for an accident.
Comprehensive Coverage – Comprehensive insurance covers everything liability and collision insurance does not. This insurance handles the damages due to smoke and fire, wildlife, vandalism, lightning, hail, and similar scenarios.
You may also want to consider purchasing underinsured/uninsured motorist coverage. This type of insurance provides coverage for you and your passengers in the event you are involved in an accident and the other party does not have adequate insurance coverage.
Here at Alliance Insurance Company, we provide a variety of insurance options for Arvada, CO residents, including home, auto, business, and life insurance. Contact us today to inquire about our insurance solutions. We’re here to help you.