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RV (Recreational Vehicle) Insurance FAQs

Collision Coverage - South Carolina RV Insurance Policy

Covers damage caused to the owners RV from a collision caused by another auto, RV, or other object. The deductible is the amount you choose to pay upfront (if any) before the RV insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the South Carolina RV insurance policy.

Comprehensive Coverage - South Carolina RV Insurance Policy

Covers damage caused to the insured's RV (your RV) from risks such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the South Carolina RV insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the South Carolina recreational vehicle insurance policy.

Liability Coverage (Bodily Injury & Property Damage) - South Carolina RV Insurance

Bodily Injury Liability

Injuries that you (insured) cause to someone else is covered under this part of an RV insurance policy. The minimum liability insurance coverage available for purchase in South Carolina is 25/50 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums set by the state of South Carolina and are listed below. Contact us at (803) 798-5754 to discuss what liability coverage amounts you require to meet your family and personal needs

South Carolina Liability Coverage limits explanation:

25/50/25 25=$25,000 - 50=$50,000 - 25=$25,000 First number = bodily injury liability maximum for one person injured in an accident. Second number = bodily injury liability maximum for all injuries in one accident. Third number = property damage liability maximum for one accident.

Property Damage Liability

Damage caused by the insured (you) to someone else's property, such as a motorcycle, RV, car, truck, fence, or house, is covered through property damage RV insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. The minimum coverage amount in South Carolina is $25,000.

Medical Payments Coverage - South Carolina RV Insurance Policy

Medical payments coverage pays for the medical and funeral expenses for you or others hurt or killed in an accident while riding in or driving your RV. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a RV when you are walking or if you are riding in another RV. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. This is not a required South Carolina recreational vehicle (RV) Insurance coverage.

No Fault Coverage (PIP) - South Carolina RV Insurance Policy

South Carolina does not require (PIP) or personal injury protection coverage. This coverage pays medical bills for injuries suffered in an auto accident regardless of who caused the accident.

Benefits Provided Include:

Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care.) Necessary remedial treatment (nursing home care or home nursing care). Pays 60% of gross income loss caused by inability to work because of an injury suffered in an accident. $5,000 death benefit

Uninsured Motorist Coverage - South Carolina RV Insurance Policy

Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto liability insurance. This coverage is required for South Carolina RV Insurance. Contact us at (803) 798-5754 to discuss what uninsured coverage amounts you require to meet your family and personal needs.

Example of uninsured motorist limits:

25/50 25=$25,000 - 50=$50,000 First number = uninsured motorist maximum for one person injured in an accident. Second number = uninsured motorist maximum for all injuries in one accident.

Underinsured Motorist Coverage - South Carolina RV Insurance Policy

This coverage comes into play when an at-fault driver has RV, auto or motorcycle liability insurance, but the limit of insurance is inadequate to pay for your damages.

Underinsured Motorist Bodily Injury Coverage

This type of RV insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient RV, auto or motorcycle insurance coverage. The RV insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is not a required South Carolina RV insurance coverage.

Underinsured Motorist Property Damage Coverage

Protects you if your RV is damaged in an accident caused by a driver who has insufficient insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required coverage in South Carolina.          

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