In the state of Washington, recreational vehicles, or RVs, require the same type of insurance as any other auto you own. Just as your car or truck requires insurance to meet the state’s mandatory liability insurance law minimums, so does the RV you drive. There is also recreational insurance for various outdoor activities.
Under state law, the Washington State Department of Licensing requires every person driving a motor vehicle, including certain recreational vehicles, to carry a minimum amount of liability insurance.
You also have alternative options to this insurance purchase, such as self-insurance if you own 26 or more vehicles. You could also carry a liability bond of at least $60,000.
You also have other Recreational insurance options that extend the coverage on your other outdoor vehicles. Various outdoor vehicles differ from autos in that you can live in them or drive them off road. Some individuals purchase an RV and travel in it full-time, making the recreational vehicle their traveling home. Referred to as full-timers insurance, this covers your vehicle bumper-to-bumper for every possibility and treats your rolling home just as homeowners’ insurance would a house.
If you only use your outdoor vehicle for occasional trips, you could get away with purchasing full coverage, which includes the state minimums plus comprehensive coverage and collision insurance. You could also consider personal injury protection (PIP), which covers your medical bills and that of your passengers if you become involved in an accident and the driver at fault has too little or no liability insurance coverage.
Contact All Nations Insurance serving Renton, WA for more information on recreational insurance. Let us consult with you on how best to add to the mandatory insurance to protect your recreational vehicle.