If you’re hitting the open road in your motorhome and plan to bring along a second vehicle, you’re not alone. Many travelers tow a car behind their motorhome for added convenience once they reach their destination. However, towing adds another layer of complexity to your insurance needs. At Shavano Insurance Agency LLC, serving San Antonio, TX, we often help RV owners understand how their motorhome insurance applies when a towed vehicle is involved.
Towing Isn’t Automatically Covered
A common misconception is that your motorhome insurance automatically covers whatever you’re towing. In reality, that’s not always the case. While some policies may offer limited coverage for a towed vehicle, it’s often only for liability. This means if your towed car causes damage to someone else’s property, you may be protected. However, damage to the car itself usually requires a separate policy or endorsement.
Accidents Can Get Complicated
Imagine you’re navigating tight roads and your towed vehicle clips a pole or another car. Without the right coverage, you might be left paying the bill. Motorhome insurance can help protect you in scenarios like this, but only if you’ve worked with your agent to ensure your policy reflects your towing setup.
Having the right motorhome insurance allows you to focus on the journey instead of worrying about potential issues. It’s about more than meeting state requirements; it’s about ensuring every part of your travel setup is protected.
Before your next adventure, make sure you’ve got the coverage you need. Reach out to Shavano Insurance Agency LLC, serving San Antonio, TX, to review your motorhome insurance and feel confident towing wherever the road takes you.
