In California, recreational vehicles offer a great opportunity for families. In these vehicles, the family may explore many of the brilliant camp grounds that the state has to offer. They could also explore the possibilities in surrounding areas. However, to utilizes these vehicles, all registered owners must comply with local insurance laws.
What are the Requirements for Recreational Vehicles?
Currently, the requirements for recreational vehicles indicate that liability insurance is needed if the owner drives them on state highways. If the recreational vehicle is classified as a motor home, the owner must acquire the minimum requirements for liability insurance. Currently, the coverage must equate to $25,000 for each injury with a maximum of $30,000 for the complete accident. It must also provide at least $5,000 for property damage.
Financed Recreational Vehicles and Rentals
Recreational Vehicle Insurance requirements for all financed vehicles indicate that the owner must purchase and maintain no less than comprehensive coverage. This protects the investment of the lender as well as the owner. It is the highest coverage available. If the recreational vehicle is a total loss, the insurance pays off the value that is financed and helps the owner acquire a new vehicle.
With a rental agreement, the driver must comply with the requirements of the rental agreement. This could indicate that they must purchase additional insurance from the leasing company. On the other hand, it could also indicate that the driver must include the vehicle on their own auto insurance for the full duration of the lease. Drivers should consult the leasing company of their choice to identify this requirement.
When Isn’t Insurance Needed?
Recreational Vehicle Insurance is not required if the recreational vehicle isn’t driven. If the driver can tow the vehicle and isn’t in operation on any roads, the owner or driver isn’t required to purchase insurance.
Families who wish to utilize recreational vehicles should learn about insurance requirements. These requirements protect them against probable liabilities. They also ensure that they are compliant with insurance laws and won’t incur a penalty. To learn more about these requirements, contact an insurance company and Get A Free Quote Today.
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