RV Liability Insurance

Today we are going to go over the Liability portion of a RV policy. The definition of this is as follows:

Liability - Applies to claims made against you for bodily injury or property damage to others resulting from negligent operation of a motor vehicle.

Your insurance contract can have liability in one of two ways: split limits or combined single limits.

Split limits are per person/per accident/ property damage. An example of split limits is 100/300/50. This breaks down as follows: the insurance contract will payout $100,000 per person for an accident in which you are negligent. The next limit is $300,000 per accident, which means it would pay a maximum of $300,000 for injury resulting from your negligent and it will payout up to $50,000 in any property damage you caused during the accident. The second type of limit is called a combined single limit. This is easier to understand due the fact that it covers the same amount of liability per person /per accident / property damage. An example of a combine single limit is $300,000 CSL. This means the contract would payout a max of $300,000 per person, $300,000 per accident and $300,000 in property damage 

You want to review your policy and ensure you fully understand your coverage’s in the event you are in an accident.

For a free review go to www.explorerrv.com or call 888-774-6778

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