An RV insurance claim is the last thing you want to worry about. However, if an accident happens here are a few things you need to know.
How to handle RV Insurance Claims
While practicing safe driving prevents most accidents, sometimes collisions are beyond your control. If you are involved in a minor accident in your motorhome, here’s the basic information you should obtain.
Once you determine that nobody is injured, get complete details from all parties involved before leaving the accident site. Keep this list in your glove compartment, along with paper and pen:
- Driver’s name, address, phone number
- Driver’s license number and state of issuance
- Name of insurance company
- Insurance policy number
- Vehicle make, model and year
- Vehicle identification number
- Registration (license plate) number and state of issuance
- Vehicle owner’s name, address and phone number (if different from the driver)
- Time, date, location
- Names and addresses of any witnesses, passengers
- Gather as much documentation as you can regarding the incident. This should help speed up the claim process.
- Be familiar with your insurance policy, so you won’t be confused about what coverages you have and which ones you don’t.
- Once your RV insurance claim is approved, your insurance company may make arrangements to have the damages evaluated. You must start this process immediately. Most insurance policies contain provisions requiring that the policyholder report the claim as soon as possible.
- If the claim involved another party or more, try to get information from everyone involved. You will need their name, address, phone number, insurance company and policy number. Having this information will help with the claims process and will get you back on the road quicker.