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Don’t Be Part of the Underinsured RV Majority

June 2009 RV News by Rich Howard

Ensure proper RV protection with a policy review from an RV specialist.

In today’s economy, sufficient RV insurance is vital. Nevertheless, most RVers on the road today lack the sufficient coverage needed. They believe they’re properly insured because their agent told them — incorrectly — that they were. An independent study, conducted by URI Information Services and Dr. James E. Fisher, St. Louis University, found that 90% of RVers are underinsured!

Get a Check-Up

Just as we ensure our good health with a checkup, we can ensure proper RV coverage by getting a policy checkup from an RV Specialist, who — unlike a regular insurance agent — is an RV insurance expert. These days, keeping costs down is tempting, but we have to ask: If I cut corners on RV insurance, what dangers am I exposing myself to? Saving a little now can lead to insufficient coverage that causes much larger losses later. Like what? The list can go on and on, but notably:

• Thousands of dollars worth of belongings are stolen from your RV and your “ordinary” auto insurance policy may not cover them.

• Your RV is totaled/stolen and your insurance may only pay a depreciated “book value” that is tens of thousands less than the amount needed to replace it. The rest is out of pocket. You might have huge residual payments on an RV you no longer have!

• By not having a storage option, you could overpay on your premium when your rig isn’t on the road.

• Uncovered permanent attachments could put you back thousands if damaged.

Getting a policy checkup today from an RV expert can help you avoid such dire circumstances.

The Right Coverage

So, what features RV coverage include? Simply put, features that prepare you for the road ahead. Look to RV coverage to give you the benefits you just can’t get with ordinary auto insurance, like:

• Optional full replacement cost coverage. This gets you a comparable new RV if yours is totaled or stolen, protecting you from thousands in unseen costs.

• No-charge personal belongings coverage up to $3,000. Your belongings are insured for what you paid — not a depreciated amount. Easily add more coverage if you need it.

• Permanent attachments coverage. Permanent attachments like awnings and antennas are automatically insured for full replacement cost.

These are just a few items that constitute adequate coverage. What RVer wouldn’t want to be protected when they really need it?

Free Policy Review

Camping World has arranged for a FREE RV policy review for all Camping World customers and President’s Club members. To get your free review and comparison quote, call a Camping World RV & Auto Insurance specialist directly at 1-888-478-4564. Mention Reservation Code YW-N9 to take advantage of this special offer.

Don’t be counted in the uninsured majority!

Eligibility, benefits, discounts and coverages may vary. Underwritten by these member companies of the GMAC Insurance Group, Winston-Salem, NC: National General Ins. Co., National General Assur. Co., MIC General Ins. Corp. and GMAC Ins. Co. Online Inc. Underwritten by National General Ins. Co. in TX and WA.

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Don’t Be Part of the Underinsured RV Majority

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