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PAL Finance Group, LLC

985 Amicks Ferry Rd
Chapin, SC 29036

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Featured Insurance Blog

RV Insurance Explained

When you buy an RV in the state of South Carolina or move to this state with an RV, you must purchase RV insurance. This policy protects the other people on the road and your vehicle as long as you elect full coverage.

Similar to auto insurance, each state has minimum requirements for recreational vehicles. The insurance requirements include:

  • bodily injury in the amount of $25,000 per person per accident,
  • bodily injury in the amount of $50,000 total per accident,
  • property damage coverage of at least $25,000.

You probably want to insure your RV with higher coverage than that since the state minimum insurance only protects the other drivers and the pedestrians on the road. It pays their medical costs and to repair or replace their vehicle.

You need to add coverage from PAL Finance Group LLC to protect your RV. You need collision and comprehensive insurance. Collision does just what it sounds like. It protects you when you collide with a different vehicle or stationary object and provides the money to repair or replace your vehicle. So, if you hit your neighbor’s mailbox in Chapin, SC, your vehicle still gets repaired using insurance money.

Comprehensive insurance also provides property protection for your RV. It pays for repairs or replacement when your vehicle incurs damage from a named peril such as a tornado, fire, hail, or ice storm. Any type of act of nature typically gets covered by this policy type.

You could also elect to add roadside assistance. This policy works like triple AAA to provide tow service and fuel and tire change services on the road. It comes in handy if your car or truck breaks down while you travel.

Personal injury protection (PIP) provides funds to pay your medical bills and rehabilitation stemming from any accident. If the accident was a single-vehicle incident, it pays everything up to the coverage amount you elect. The person at fault’s liability insurance pays first in a multi-vehicle accident, and your PIP kicks in after that.

Contact PAL Finance Group LLC serving Chapin, SC for more information on RV insurance. Let us help you get the coverage you need, so you never need to pay out of pocket for repairs or replace your damaged RV.