Collision & Comprehensive Coverage

 Collision and Comprehensive (Other than Collision) coverage are without a doubt two of the more important types of RV insurance coverage, and are also the most misunderstood. In this article, we’ll discuss what kind of insurance claims collision and comprehensive cover, and how to select a deductible that is suitable for your particular needs. Of course, when in doubt consult your insurance agent for advice on selecting an appropriate deductible and for more detail on individual limits.

Collision coverage is just what it sounds like; it provides coverage in the event your RV collides with another object. Collisions can be as varied as backing into a light post, or getting into an accident on the road. Generally, collision coverage starts paying after a deductible is met and up to the limits specified in the policy.

Comprehensive is also called “Other than Collision,” or OTC for short. OTC provides coverage for losses that are not a direct result of a collision or accident. Some common claims that are typically covered by OTC include: weather-related damage, fire, theft, vandalism and windshield chips/cracks as a result of road hazards. Be sure to read your policy and note any specific coverage exclusions. For example, most RV insurance policies do not provide coverage for normal wear and tear. Just like Collision coverage, OTC starts paying out after a deductible is met and up to the limits listed in the policy.

The deductibles listed on your policy are the dollar amounts you are responsible for paying before the insurance policy starts paying for a claim. Most insurance companies offer a broad range of deductible limits to select from ($100 to $5,000). As a rule of thumb, the lower the deductible, the higher the premium so it is important to find a balance of what you are willing to pay out of pocket in the event of claim, and how much you want to pay in insurance premiums. Your insurance agent can help evaluate your personal needs and quote multiple deductible limits for price comparison.

To review your policy click here www.explorerrv.com/quote or call 888-774-6778