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Understanding Florida RV Insurance

While owning an RV can be an exciting time filled with adventures to new places, you have to make sure that you have the correct amount of insurance coverage to keep yourself protected.  The first step in choosing Florida RV insurance is to understand the coverages that you are required to have on your recreational vehicle.

Minimum Coverages

You are required to carry specific minimum coverages on your Florida RV insurance in order to register it.  When looking for insurance, you need to make sure that the policy includes at least:

  • $10,000 personal injury protection
  • $10,000 property damage liability

Personal Injury Protection

Personal injury protection (PIP) coverages pay for your injuries if you are in an accident, regardless of who is at fault.  PIP coverages will pay 80% of your reasonable medical expenses for treatment of your injuries, 60% of the wages you lose due to being unable to work due to injuries, and up to $5,000 in death benefits if you die as a result of the accident.

Property Damage Liability

Florida RV insurance property damage liability covers damages to personal property, such as vehicles, fences, buildings, or utility poles that may occur due to you or someone who is driving your RV.

While these are the minimum coverages required by Florida law, you need to remember that any costs that are over these minimums will have to be paid out of your pocket.  If you are in a serious accident, medical procedures can easily go over the PIP minimums, and if you hit another vehicle, $10,000 will generally not cover the cost to replace most vehicles.  This means you will have to pay the extra costs out of pocket, which can quickly result in financial difficulty.

Other Florida RV Insurance Coverages

One of the most recommended additional coverages is Bodily Injury Liability.  This coverage pays for any injuries that other drivers or passengers incur during an accident that is your fault.  This coverage will also assist with any legal fees that are the result of a lawsuit against you due to the accident.

While Florida RV insurance laws do not require bodily injury coverages, there are some things you should consider.  If the accident is considered your fault, you will be required to pay for the other party’s medical bills that result from the accident.  If you choose to omit these coverages, and are in an at fault accident, your license will be suspended until those medical expenses are paid in full.  Additionally, you will have to carry these coverages for the next three years, as well as filing financial responsibility.

While it may be tempting to only carry the required Florida RV insurance coverages in order to save money, most accidents result in much higher costs than these minimums, and these costs will come out of your own pocket.  If you want to ensure that you do not have to pay the additional costs, you should consider opting for higher coverage amounts.

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