If you’re planning to take your RV on a road trip that crosses into other states, it’s wise to have your agent at Laine Insurance in Pueblo West, Colorado, conduct an RV insurance review before you go, to make sure you have adequate coverage.

Check for No-Fault Insurance Requirements

Each state has its own insurance laws, and it’s important to follow them correctly to avoid complications. For example, if your travel takes you into a "no-fault" state, you’ll need to carry no-fault insurance there.

There are 12 states that require no-fault insurance: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.

If you’re involved in a traffic accident in one of these states, your no-fault insurance, through Personal Injury Protection coverage, generally handles medical costs after the accident, regardless of who caused it.

Meet the Minimum Insurance Rules

All states, except New Hampshire, have mandatory minimum insurance requirements for drivers. RV owners typically carry coverage well above the minimum, given the value of the vehicle, but it’s still important to confirm you have all the specific types of coverage required by law in whatever state you’re traveling through.

Emergency Road Assistance, Towing, and Repairs

Mechanical breakdowns and running out of gas are common occurrences on an RV road trip. Having emergency roadside assistance and towing coverage is a smart move, since towing an RV can be quite costly.

Enjoy Your Road Trip

Hopefully, your RV road trip goes smoothly without major issues. Even so, it’s always wise to have adequate insurance coverage in place just in case you need it.

Reach out to us at Laine Insurance in Pueblo West, CO, serving clients in Colorado for all your RV insurance needs.