In the state of Arizona, if your RV has a motor and is drivable, you will need to acquire the state minimum liability insurance to operate it on the roadways and highways.
What is the State Minimum Liability for RV Insurance?
RV insurance in Arizona is very similar to auto insurance, as it covers the same items. The minimum coverage you must maintain on your RV is expressed as 15/30/10, meaning that you need at least $15,000 per person injured in one accident, $30,000 for two or more persons in one accident and $10,000 property damage coverage per accident.
The minimum liability insurance will only pay out to another party that you were in an accident with when you are at fault, but it doesn't pay for any damages to your RV, property or injuries. When RVs are involved in an accident, there is generally must more extensive damages than there are to a car. You can add physical damage coverage from Atlas Insurance Solutions as a combination of comprehensive and collision coverage. The collision portion will pay out to you to cover damages caused by a wreck and the comprehensive coverage will pay to make repairs or replace your RV in the case it is damaged by vandalism, fire or theft. Uninsured and underinsured insurance will pay for your property damages and bodily injuries if you are in an accident with another driver who has either too little insurance or no insurance coverage at all. You can also add medical payments to cover your medical bills in case of an accident.
At Atlas Insurance Solutions, we understand it can be difficult to decide what levels of insurance are best to carry on an RV. We have highly trained agents that can help you over the phone or you can drop by the office for information. We can put your mind at ease when you know that you have enough insurance coverage to reimburse you for all of your property and bodily injury losses after an accident.