1230 N Main Ave
Scranton, PA 18508
Buying an RV within Pennsylvania is a spontaneous idea to some, resulting in numerous drivers being lenient about road protection mechanisms. Like every vehicle, an RV will still need insurance, with drivers required to adhere to the state regulations. To help you figure out where to start, VNG Insurance Agency in Scranton, PA outlines various RV insurance policies to consider getting.
Liability coverage can be classified into two categories, with the first one being property damage liability. If you get into an accident and are found liable, this coverage helps you pay for other parties' property damage costs. The second is bodily injury liability, which pays for 3rd party medical costs if you cause bodily harm during an accident.
Medical payments coverage comes in handy when you and your passengers are injured in an accident. It helps you pay your medical bills, with examples of these costs being examination fees, treatment costs, and any consultations required.
Collision coverage is designed to protect you when you get into an impact accident. If you collide with objects such as poles, buildings, or other vehicles, collision coverage will take care of your RV's repair and replacement costs.
Comprehensive coverage provides compensation when you get into a non-collision accident. Examples include disasters such as fire, vandalism, theft, and hail. When any of this happens, your RV's repair cost will be covered by your comprehensive policy.
If you get stuck during your commute around the state, roadside assistance will ensure that your towing needs are met. Costs covered by this policy will often be linked to a dead battery replacement, electrical breakdowns, and fuel replenishment.
If you are a full-time RV dweller, your motor home will be generally classified as your primary residence. Due to this, you will be required to get full-time coverage that provides similar benefits as homeowners insurance. This policy protects you when your guests get injured in your RV, helping you cover the costs of bodily injury.
If you need professional help figuring out the right RV coverage for your traveling needs, contact VNG Insurance Agency today. Our agents in Scranton, PA will take you through our policies to help you get a customized solution.