Csaa Auto Insurance: Understanding Motorhome Coverage

AAA offers insurance coverage for a variety of vehicles, including cars, motorcycles, and RVs. This includes motorhomes, fifth-wheels, travel trailers, pop-ups, and campers. With over 100 years of experience, AAA provides flexible policy options and reliable coverage for your home on wheels. Whether you're embarking on a cross-country adventure or a week-long camping trip, you can trust AAA to protect your investment and offer roadside assistance whenever you need it.

What does RV insurance cover?

RV insurance is a requirement in most states and provinces throughout the USA and Canada, and it's also a smart investment. RV insurance provides financial coverage against collisions and other perils common to travelling in a motorized vehicle. It also includes coverage for emergency expenses and some other risks unique to RV life.

The types of coverage you can expect from RV insurance include:

• Property damage liability coverage: This type of coverage is usually sold with bodily injury liability and is required in most states. It covers damages you cause to another person's vehicle or property if you are in an accident.
• Bodily injury liability coverage: This covers costs related to an accident involving another driver, including legal fees, medical expenses, loss of income, and funeral expenses for the other party.
• Collision coverage: This covers damages to your vehicle if you are involved in a collision, regardless of who is at fault.
• Comprehensive coverage: This covers damages to your vehicle caused by something other than a collision, such as falling objects, hail, vandalism, theft, natural disasters, and fires.
• Uninsured/underinsured motorist coverage: This protects you against financial losses resulting from an accident with a driver who doesn't have enough insurance coverage or any coverage at all.
• Personal injury protection (PIP): This covers medical expenses and lost wages of motorists injured in an accident where you are at fault.
• Campsite/vacation liability coverage: This is a common add-on that protects you against bodily injury or property damage lawsuits resulting from accidents or mishaps while your RV is parked at a designated campsite.
• Roadside assistance: This is another common add-on that covers the cost of flat tire changes, fuel delivery, locksmith services, or tow truck services.

In addition to the basic coverages, there are also optional coverages that you can add to your RV insurance policy. These include:

• Total loss replacement: This covers the cost of a brand new RV or reimburses you for its original purchase price if your RV is totaled in a covered accident.
• Full-time RV liability coverage: This is for people who live in their RVs permanently or for six or more months out of the year. It includes extended personal liability limits, medical payments coverage, and loss assessment coverage.
• Emergency expense allowance: This pays for emergency accommodations and transportation if your RV is disabled in a covered accident.
• Personal property coverage: This helps you replace belongings stored in your vehicle if they are damaged, lost, or stolen.
• Roof protection: This covers the repair or replacement of your roof if it is defective due to damage or wear and tear.
• Pest damage protection: This offers protection against damage caused by vermin, rodents, insects, and birds.

What does car insurance cover?

Car insurance is a safeguard for your financial well-being in the event of car accidents, theft, or other auto incidents beyond your control. Depending on your insurance provider and the type of coverage you have, your insurance can help cover vehicle repairs, medical expenses, and damage or injury you cause to others while driving.

Most policies provide liability coverage to protect you financially if you cause an accident. This includes damage to other vehicles, objects, and injuries to other drivers and their passengers. Liability coverage is required in nearly every state.

Basic car insurance does not cover maintenance or general wear and tear. It also does not cover mechanical failure or electrical wear and tear unless it is caused by an accident.

• Collision coverage: Pays for damage to your car resulting from a collision with another vehicle or object, regardless of who is at fault. This includes collisions with trees, telephone poles, guardrails, and potholes.
• Comprehensive coverage: Covers damage to your car caused by events beyond your control, such as theft, vandalism, natural disasters, falling objects, and damage caused by animals. It also covers windshield and glass repairs.
• Uninsured/underinsured motorist coverage: Protects you if you are hit by a driver who does not have insurance or does not have enough insurance to cover the costs of the accident.
• Medical payments/Personal Injury Protection (PIP): Covers medical bills for you and your passengers if injured in an accident, regardless of who is at fault. PIP may also cover lost wages and funeral expenses.
• Rental car reimbursement: Covers the cost of a rental car while your vehicle is being repaired or replaced after an accident.
• Roadside assistance: Provides help if your vehicle breaks down, such as towing services, flat tires, dead batteries, and running out of gas.
• Loan/lease payoff coverage (or "gap insurance"): Covers the difference between the value of your vehicle and the amount you owe on it if your vehicle is stolen or totalled.

In addition to the above, car insurance can also cover specific scenarios, such as driving for a rideshare service, damage to custom parts, and the full value of a classic or antique car.

It's important to note that car insurance does not cover everything. Some things that may not be covered include exceeding your policy limits, general maintenance and mechanical repairs, personal items damaged or stolen from your vehicle, and intentional damage caused by the policyholder.

When choosing a car insurance policy, it's essential to understand the different types of coverage available and select the options that best suit your needs.

What is the AAA grace period for insuring a new motorhome?

The AAA grace period for insuring a new motorhome depends on the type of policy held by the customer. If a customer has an existing insurance policy with AAA or any other insurance company, they have a 14- to 30-day grace period to insure their new vehicle. However, if a customer is purchasing a new vehicle and has never held an insurance policy before, they will need to purchase insurance before driving off the dealership lot.

The grace period for insuring a new vehicle varies by insurance company. Some companies may not offer a grace period at all. It is important to note that drivers must always carry auto insurance when driving, as driving without insurance is illegal in most states.

If a customer has an active auto insurance policy, they may be allowed a short period of time, typically anywhere from one week to 30 days, to add their new vehicle to their policy. Most car insurance companies will extend coverage to the new vehicle during this period in good faith.

It is recommended that customers contact their insurance agent or company before purchasing a new vehicle to confirm whether a grace period will be provided and to ensure proper coverage.

Does AAA cover windshield replacement for motorhomes?

Yes, AAA does cover windshield replacement for motorhomes. Comprehensive coverage from AAA includes windshields, and the company also offers a discount on auto glass repair or replacement for AAA members.

If your windshield is cracked due to a car crash, you can file a claim with your own insurance company if you have optional collision coverage. If your windshield is cracked due to something other than a car crash, such as a falling tree branch or debris from the freeway, you are protected if you have optional comprehensive coverage.

In addition to windshield replacement, AAA offers a range of other auto insurance coverages, including coverage for injuries to others if you are at fault, property of others if you are at fault, and medical expenses for you and your passengers. AAA also offers rental reimbursement coverage, new car added protection, and an automobile death benefit.

AAA offers customized coverage options to protect you, your passengers, other drivers, property, and more. You can talk to a AAA Insurance Agent to customize your policy and maximize your savings.

What is the cost of insuring a motorhome?

The cost of insuring a motorhome varies depending on several factors, including the class of the motorhome, the type of coverage, and local legal requirements. In general, the annual insurance premiums for a motorhome can range from as little as $300 to over $2,000.

Class of the Motorhome

The class of the motorhome is a significant factor in determining the cost of insurance. A Class A motorhome, which is the largest and most luxurious option, will be the most expensive to insure, with premiums ranging from $1,000 to over $4,000 per year. On the other hand, a Class B motorhome, which is the smallest option, will be the cheapest to insure, with premiums ranging from $300 to $1,000 per year. A Class C motorhome, which is a medium-sized option, will have insurance costs in the range of $600 to $1,000 per year.

Type of Coverage

The type of coverage chosen will also impact the cost of insuring a motorhome. A basic liability coverage policy will be the cheapest option, but it may not cover all scenarios. For more comprehensive coverage, including collision and comprehensive insurance, the cost will be higher. Additionally, there are various add-ons available, such as rental reimbursement, full-timer liability, towing and labour, and international coverage, which will further increase the cost of insurance.

Local Legal Requirements

Local laws and regulations can also affect the cost of insuring a motorhome. In the United States, all 50 states require a minimum level of liability coverage for motorhomes, and many states also require uninsured or underinsured motorist coverage. These requirements will need to be factored into the overall cost of insuring a motorhome.

Other Factors

Other factors that can influence the cost of motorhome insurance include the age and condition of the motorhome, the type of use (full-time or part-time), the location, the driving record and experience of the owner, prior claim history, and credit score. Bundling insurance policies and choosing higher deductibles can help lower the overall cost of insurance.

Frequently asked questions