When you purchase insurance for your recreational vehicle, you hope that it will be useful to you in the event of an accident. We all buy insurance with the intention of expecting the worst outcome, while hoping for the best, right? Well, for many RV owners, they discover only too late that their insurance doesn’t cover everything.
Have you recently had some damage to your motorhome and are concerned that your insurance won’t cover the repairs? Or are you a new motorhome owner who is carefully examining the details of your RV insurance policy? For whatever reason you’re here, we hope that the following information will better prepare you for what to expect when it comes to your motorhome insurance coverage.
Here are the 4 biggest reasons why your RV collision repair may not be covered by your insurance:
Poor Maintenance
You may not be aware of this, because too many RV dealers fail to educate their customers, but you are expected to perform regular maintenance to your vehicle. You not only have to arrange for regular oil changes and maintain the proper tire pressure on your vehicle, but you must also maintain sealant on all the necessary seams throughout your coach. If you neglect to perform regular and thorough maintenance, then you will be held responsible for any resulting damage.
Consequential Damage
You will need to check your own insurance policy to find out whether consequential damage might be covered, but in most cases it’s not. Consequential damage is any damage or loss that is caused indirectly. For some examples of consequential vehicle damage, visit
Sometimes this kind of damage can be argued as direct, but it’s important to be aware of its implications before you count on coverage.
Inadequate RV Insurance Coverage
Many times, our RV repair customers will regrettably discover that they’ve purchased inadequate insurance coverage. To prevent this from happening to you, take the time to sit down and weigh the pros and cons of worst case scenarios and what repairs you can afford to pay out-of-pocket.
Lapse in RV Insurance Coverage
This is another unfortunate scenario for too many people in need of motorhome repairs—a lapse in coverage. Be sure to stay on top of your premiums and never allow your insurance coverage to lapse if you intend to continue to use your recreational vehicle.
To save you from a lot of frustration in the event of a repair, it’s essential that you get to know the ins and outs of your insurance coverage. Look for an insurance company that demonstrates strong knowledge about RVs and can advise you properly in the development of your policy. Also, should you find yourself in need of an RV repair shop, make sure the shop has good relationships with insurance companies and can help speed things along on your behalf.
At Coach Specialists of Texas, we are the exclusive direct repair facility for many insurance companies, including GEICO, Nationwide, and USAA.
If you are in need of an RV repair shop in Dallas, Texas that can navigate you through the insurance claims process, give us a call today. We have relationships with virtually every major insurance carrier and this allows us to provide fast, reliable service to our customers. We strive to reduce your downtime and get your vehicle back on the road quickly—no waiting for unnecessary approvals and delays. We can get you in and fixed quickly so that you can enjoy your RV, motorhome, or coach the way you are intended to!