Hear What Jerry Minchey, Author of “Secrets of RVing On Social Security” (available on Amazon Audible) Has To Say
About Working With Charlotte Insurance
The South Carolina RV Insurance Specialists at Charlotte Insurance are Ready to Help You Protect Your Rig!
Where do you want the open road to take you in your RV? Are you headed to Myrtle Beach, Charleston, or Hilton Head Island? Will you travel north towards Spartanburg or to the Blue Ridge Mountains? Or are you planning for parts unknown beyond the borders of South Carolina?
Wherever you’re going in your RV, protect yourself, your family, and your vehicle with a solid insurance policy. When you’re stuck on the side of the road, or a driver comes out of nowhere and hits you, you’ll be glad you have it.
SPEAK TO A SOUTH CAROLINA RV INSURANCE SPECIALIST
CALL THE SOUTH CAROLINA RV INSURANCE HOTLINE: (704) 887-5513 FOR MORE INFORMATION.
Make sure you have the right South Carolina RV insurance that will be there for you when you need it most – before you pull out of your driveway. Liability insurance is required by law but a full coverage policy offers the protection you need for your family, yourself, and your RV.
Charlotte Insurance is here to help you find the perfect South Carolina RV insurance policy for the RV you own, the life you want to lead, and the places you plan to go.
Get a free South Carolina RV quote for your first RV policy or your next one by contacting us today. We’ll help you protect your home-away-from-home when you’re on the road and when you’re parked.
Common South Carolina RV Insurance Misconceptions
Doesn’t my homeowners insurance cover my RV?
As long as your RV is parked at home, your home insurance provides a limited amount of coverage. Once you pull out of the driveway and especially when you’re parked somewhere else, your homeowners insurance won’t cover accidents, damage, and other perils.
Will my homeowners insurance cover my personal belongings inside my RV?
Again, as long as your RV is physically located at your home in South Carolina, your homeowners insurance may provide a small amount of coverage. But it likely won’t be enough to cover everything, and your policy may include specific limits that won’t be enough. At the same time, any additional accessories you’ve added and upgrades you’ve made won’t be covered at all.
Is RV insurance expensive in South Carolina?
How much you’ll pay for South Carolina RV insurance depends on many things – part-time vs. full-time living, driving record, previous claim history, the age and condition of your RV, and the deductibles and policy limits you choose.
South Carolina RV Insurance Requirements
The state of South Carolina requires RVs – motorhomes and trailers – to carry a minimum amount of liability insurance:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
State minimums are rarely enough to cover damage from accidents involving an RV, especially if someone gets hurt. It’s important to purchase as much coverage as you can afford to avoid financial surprises later.
In the state of South Carolina, uninsured/underinsured motorist (UIM) coverage is also required. You must purchase at least the same minimum as your liability insurance. Not everyone purchases auto insurance, and those who do don’t always have enough coverage. UIM pays when the other driver is at fault for the accident but doesn’t have enough or any liability insurance to fully cover your injuries or property damage.
Types of Coverages for South Carolina RV Insurance
Although liability insurance is required in South Carolina, it’s important to understand what it is and how it works. Liability pays for two types of injuries when you’re at fault in an accident:
- Bodily injury
- Property damage
Liability covers both accidents out on the road while you’re driving, and also damage done once you park. Similar to your home insurance, liability will pay for injuries and damage to a third-party (who doesn’t live with you) if they’re hurt while inside your RV or at your campsite. If the injured party decides to sue, liability covers your legal fees and settlements, too.
RV liability insurance is designed for the unique experience of both driving and living in your recreational vehicle.
South Carolina requires all drivers to carry uninsured/underinsured motorist (UIM) insurance with state-mandated minimums, though purchasing more coverage is highly recommended. UIM pays for the costs of an accident, up to your policy limits, when the other driver is at fault but they don’t have enough or any insurance to cover your injuries or property damage.
If you, as the named insured, request Stacked Uninsured Motorist coverage, then the policy limits for each vehicle listed on your insurance policy can be added together to determine the total amount that may be recovered (stacked) for all covered injuries to you and your relatives who live with you.
If you request Non-stacked Uninsured Motorist, then the injured person may not add or combine the coverage provided as two or more motor vehicles together to determine the limits of uninsured motorists available, except in very limited instances.
Comprehensive and Collision
Your South Carolina RV isn’t just your home while you travel; it’s also a motor vehicle. Hitting wildlife on a dark highway or dealing with damage after a hailstorm are still potential problems every driver faces. Comprehensive and collision insurance pays to repair or replace your RV after these kinds of accidents. Deductibles apply.
If you buy an RV and finance the purchase, your lender may require that you carry both comprehensive and collision coverage often referred to as “full coverage.”
Physical damage coverage for your RV insurance determines how much you’ll receive if your RV is beyond repair after an accident or other covered peril. You can choose from one of three options:
- Actual Cash Value (ACV): ACV is common. You’ll receive an amount equal to the value of your RV at the time of the loss. To determine the ACV, the age and condition of your RV will be considered. It’s unlikely you will receive enough to replace your RV with a new one.
- Agreed Value (AV): This is an option to discuss with your independent insurance agent, especially if your RV is newer but was previously owned. It’s also a good option if you’ve made customizations to your RV. AV coverage pays an amount agreed upon at the time you purchase your policy. This amount does not consider the depreciation of your RV for up to 10 years and will be listed on the Declaration page of your policy.
- Replacement Cost (RC): Replacement cost coverage is ideal for anyone with a new RV. RC pays the amount you’ll need to replace your RV with the exact model or a comparable one up to the first five model years after you insure it. After five model years, you’ll receive an amount agreed upon when you purchase your policy. It will be listed on the Declaration page of your policy. Your South Carolina RV must be the current model year or only one model year old at the time you purchase the policy. There can be no previous owners and have never been titled or insured before.
Deductibles will apply.
Having an emergency with your RV, whether you’re traveling around South Carolina or beyond, means you may not have a place to stay or a vehicle to drive. Emergency expense coverage helps cover temporary living arrangements, transportation, and towing when your RV is disabled more than 50 miles away from your home or storage facility.
Emergency expense covers:
- Renting a vehicle during repairs.
- Transportation home.
- Hotel stays and other temporary living accommodations
- Transporting your RV home, as long as it isn’t a total loss.
If you live in your RV full-time – and purchase full-time RV insurance – emergency expense coverage will have different requirements instead of the 50 mile rule. Talk to your independent insurance agent about this when you insure your South Carolina RV.
Your RV isn’t the only thing you need to insure. Your personal belongings also need coverage. Personal effects insurance helps replace your belongings inside your RV. This includes clothing, electronic devices, appliances used inside your RV, and other items.
If you travel with high-value items, like jewelry or collectibles, ask about specific coverage for these items because standard personal effects coverage likely won’t be enough.
When you live in your RV full time, you need more insurance protection than you do when you’re traveling part-time. Full-timers coverage offers extra liability protection while you’re in South Carolina and while you’re traveling around the US and beyond. Coverage is also available when you live in your RV during home renovations, repairs, or construction. The primary vehicle used must also be your primary residence.
Full-time RV insurance allows you to add other important coverage: Medical Payments, Loss Assessment, Attached Accessories, Adjacent Structures, and more.
Medical payments coverage pays for injuries that occur during an accident regardless of who’s at fault for the accident. The same coverage limits will apply to all vehicles on your policy. This allows you to focus on recovery instead of figuring out how you’ll pay expensive medical bills after an accident.
Personal Injury Protection (PIP)
Personal Injury Protection (PIP), also known as No-Fault coverage, covers you, whether you’re at fault in an accident or not, up to your policy limits.
- You and any relatives living in your RV
- Some passengers who lack PIP coverage
- Certain licensed drivers who drive your RV with your permission.
- When you’re in someone else’s vehicle.
- When you are a pedestrian or bicyclist and are in an accident involving another motor vehicle.
- Children living in your household who suffer an injury while riding on a school bus.
Standard PIP coverage pays 80% of reasonable medical expenses, 60% of lost wages and all reasonable expenses for replacement services like child care, and $5,000 in death benefits.
Extended Personal Injury Protection pays 100% of your reasonable medical expenses and 80% of lost wages. You can choose this as an option for an additional premium.
Personal Injury Protection Deductible lets you choose a deductible of $250, $500 or $1,000. Upon payout of your claim, the deductible amount will be subtracted from the available PIP benefit or the total amount you can collect.
- If you choose a PIP with a deductible for “Named Insured only,” then the deductible will only apply to the named insured (you) and your spouse but not any other relatives that live with you.
- If you choose a PIP with a deductible for Named Insured & Resident Relatives, then the deductible will apply to the named insured (you), your spouse, and all dependent relatives who live with you.
Work Loss Exclusion allows you, as the policyholder, to exclude any benefits received for loss of gross income and earning capacity from your PIP coverage.
When your RV breaks down, it can be expensive to get help. Roadside assistance gets you back on the road as soon as possible. This coverage is available 24/7 as long as you’re located within the United States and Canada.
Roadside assistance covers:
- Towing to the nearest qualified repair facility.
- Changing a flat tire
- Jump-starting your battery
- Fuel for your RV when you run out of gas. You’ll have to pay for the gas.
- Getting back into your RV if you lose your keys, your keys are stolen, or you lock yourself out of your RV. You have to pay to replace your keys.
- Being pulled out of mud, snow, water, or sand with a motor-powered cable or chain. Your RV must be within 100 feet of road or highway.
- Up to one hour of on-scene labor after a break down
Before you hit the road to explore South Carolina and beyond, make sure your RV is well-protected with the best RV insurance you can afford. Contact Charlotte Insurance for a free quote today!