Have you ever wondered what kinds of trailer insurance claims are most common? Maybe, you just got a new RV and are looking for the best insurance policy. Or, perhaps you are an experienced recreational vehicle owner and user trying to find a better coverage policy.
Either way, knowing which RV claims are most commonly filed can be incredibly helpful. When you understand what kinds of mishaps happen most frequently with RVs, you can get the right insurance coverage to protect your property from accidents, unforeseen mishaps, and total losses.
Below, we will go over which accidents and claims are typically seen the most by RV insurance companies in Canada. Then, you can use this information to choose the best policy for your needs! As a bonus, you can be a little safer when camping, travelling or taking your recreational vehicle out on the road.
Collision Coverage Claims: Collisions with Another Vehicle or Object
Recreational vehicles like camper vans, motorhomes, toy haulers, fifth wheels, and the like, are prone to collisions with other vehicles and objects. In part, this is due to the required extended braking distance needed for stopping easily. A lack of maneuverability can be another issue. Common causes of RV accidents include speeding, high winds, bad weather, inexperienced drivers, tired driving, runaway trailers, poorly calculated turns, unbalanced loads, and failure to notice another vehicle when passing or changing lanes because of blind spots.
Comprehensive Coverage Claims: Damages Caused by Theft, Vandalism, Or Nature
Recreational vehicle comprehensive coverage claims are also common. This is because trailers and RVs are prone to both intentional damages or accidental and unexpected situations. There are a few reasons for this. For one thing, RVs are large targets, making them more likely to get damaged. Also, they are mobile, often being towed to locations where unexpected mishaps occur. This makes sense, as it is hard to know what to expect when you are taking an RV to a new area. Campsites, parking lots, natural areas, and cities are all places where the unexpected can befall RV owners in a moment.
Indeed, comprehensive insurance coverage claims are common with RVs. Comprehensive insurance coverage helps you protect your RV from non-accidental damage or unexpected problems wherever you happen to roam. This can include things like theft, fire, vandalism, or acts of nature that harm your RV. Often, comprehensive coverage is paired with or included collision coverage, to protect you from the cost of a wide range of issues.
Theft of Personal Property: Insuring the Items Inside Your Trailer
Theft can be another problem among RV owners. Toy haulers and recreational vehicles are easy targets for thieves. In many cases, these vehicles sit unattended for long periods. Vacationers are also often targeted by criminals. Once someone steals the property out of a camper or RV, it can be incredibly difficult to ever recover it. This is because robbery often occurs in travel or vacation circumstances. Imagine being in an unfamiliar area and returning to your RV to find your belongings missing!
Who do you call when you do not even know the phone number of the local police department? It can be hard to stay on top of a theft case once you have left an area. For this reason, having theft and personal property insurance is a smart move. That way, you can protect the items that you carry with you as you travel. This type of insurance is also very helpful if you have valuables in an RV that will be parked somewhere for an extended time.
Equipment Breakdown Coverage Claims: Insuring Systems and Appliances
Equipment breakdown coverage claims are also common. This type of recreational vehicle insurance protects the systems of your vehicle and can also cover its interior appliances and mechanical equipment. You never know when you are going to break down on the road. Proper trailer maintenance can indeed help you prevent breakdowns and issues as you travel. However, unexpected problems can still take place. This is why ensuring systems and appliances is a wise decision.
Roadside Assistance Coverage Claims: Having Coverage for Unexpected Breakdowns
Another common insurance coverage claim is roadside assistance. Roadside assistance helps travellers solve an array of problems and get back to having fun. RV owners with roadside assistance have more peace of mind knowing that if anything goes wrong during a vacation or trip, they will have professional support they can depend on.
As with appliance and system issues, you never know when you are going to have problems on the road. For most RV owners, the whole point of owning a recreational vehicle is travelling, recreation, and exploring! You do not want your voyage to be inhibited by things like unforeseen mechanical problems, tire blowouts, or other common problems.
Liability Coverage Claims: Protection from Accidents Involving Others
Liability coverage is essential for all RV owners. This minimum amount of coverage protects you from paying enormous bills after unexpected accidents involving other vehicles. Whether you accidentally back into another car, sideswipe someone in a drive-through, or get into a collision during heavy traffic, liability coverage makes sure that any damages done to other automobiles, people, or property will be taken care of.
Each RV liability policy covers a certain amount of damage. This amount can vary based on the RV insurance provider you partner with. Liability trailer insurance claims are very common! So, never skip getting liability coverage for your recreational vehicle.
Storage Coverage Claims: Protecting Your Trailer When It’s Not in Use
All kinds of problems can take place when RVs are not in use. Storage coverage policies are very useful if you will be parking your RV or storing it away for an extended period. When trailers are stored during the off-season, they can be vulnerable to harsh weather conditions such as ice and snow storms. These weather events can cause power outages and other hazards that can potentially damage the trailer or its contents. For this reason, storage coverage claims are often seen by insurers. Storage insurance can provide peace of mind when you are not around to watch your trailer.
Need Great Trailer Insurance in Canada? Contact RecProtect!
Have you been looking for the best recreational vehicle insurance in Canada? Having dependable insurance coverage is crucial for RV owners who want to protect their property from common problems including theft, equipment breakdowns, collisions, liability accidents, and more. At RecProtect, we offer an array of RV insurance packages to suit your individual needs!
Contact an insurance broker at RecProtect to get a free recreational vehicle insurance quote in just a few moments! Nothing feels better than travelling with confidence knowing that you are covered by people who care.
