No! The RV rental insurance kicks in only after you pay a deductible of $1,500.
It means that if you damage the RV (e.g. your rental RV sewage tank gets slightly damaged due to low lying obstruction), in such cases, your repair cost will be about $300-600. You will need to pay this out of your pocket to meet the $1500 deductible.
On the other hand, if you have any serious incident where you scrape the sides of the RV damaging its walls on the sides, then repair cost may be about $2000-4000. You pay the first $1500 and the rest is paid by the insurance company.
It depends on the terms of your RV rental insurance.
For instance, RVShare.com doesn't distinguish between interior and exterior damages. On the other hand, Outdoorsy.com does not cover the interior damages to the RV. The insurance for interior damages comes as a separate option and needs to be purchased separately.
Based on our experience, we feel that the interior of the RV is less unlikely to be damaged beyond your $1,500 deductibles. For instance, if your child is playing with a ball and happens to break the RV TV screen, it can cost you around $800 to replace the screen. In this case, even if you have insurance that covers the interiors, you will still have to pay for this damage since it falls within the $1500 deductible.
The majority of the items inside the RV are not worth the $1,500 deductibles so separate insurance for the interiors should probably not be as high on your priority list as an exterior one.
Tip: Request your family members to handle the RV interior fixtures carefully as they tend to be fragile and are likely to get damaged.
Yes. Indeed you may be a very careful and experienced driver but you have to realize that an RV vacation trip has just too many variables.
Not only are you driving on the roads where other vehicles are driving in which case you can't predict the behavior of the other drivers, but also when you are in an RV camp/ park or other places, there are too many things that may go wrong.
For example, If you back into the low-lying stones, the RV sewage tank may get damaged. Or if you drive through a forest area where there are protruding or low-hanging branches, it could damage the sides or the roof of the RV and even the air-conditioning panel at the top.
In the majority of the cases, the RVs come back in good condition without any problems, but there is always a small chance that despite all your precautions, RV could still get damaged.
Once the information is captured in the RV checkout process, the RV rental company will initiate a claim with the insurance company. It is important to know that RV insurance is provided by a completely different company. Hence, all your information may or may not get transferred to the insurance company.
We have seen scenarios where a claim is filed and the RV insurance company has absolutely no clue, either about the RV owner or about the RV renter so all the information needs to be provided afresh. It is best for you to make sure that the information reaches the RV insurance company as soon as feasible.
In most cases, you will get an e-mail to which you can provide all the details. And there will be an insurance agent who will be assigned to take the RV owner and renter through the whole process. You should also reach out to the RV owner or the RV rental company because they will be more knowledgeable about the claim process. They should be able to guide you through the whole thing.
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After resolution of my claim, the RV policy issuer is now asking for my personal auto coverage information. Why do they need this and am I required to give it to them?
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