What Happens if I get into a Wreck with my RV?

No one plans on being in a crash; that is why they call it an accident! When driving a RV, it is much harder to avoid an accident than in another type of vehicle. You can't maneuver it like a small car! You tried to swerve, but didn’t quite avoid the accident and wrecked your RV. What now? You know that car insurance companies often raise premiums for drivers who have recently been in an accident. Now you are worried that your RV insurance in California will no longer be affordable. Thankfully, this is not necessarily true- although it could be if you're not careful.

Now is the time to pay close attention to the letters you are receiving in the mail and what your company is telling you. By looking through all of the RV insurance companies in California and finding the right policy for you, you can actually save money on the insurance you need. Yes, even after an accident! Here is what to expect next:

After an accident, RV insurance companies in California often adjust how much risk you have for future crashes and future payouts on their part. This can cause a rate increase. That premium change depends heavily on which driver caused the incident to occur. An at-fault accident with moderate to severe damage will probably spike your insurance rate. However, a minor accident might not jack up your premium. It is possible the accident was caused by another driver. You typically won’t take a hit, or steep of one, for someone else who doesn’t drive as safely as you do.

RV insurance really isn't too different from regular car insurance. Many factors go into how much your insurance premium might go up after a crash, including how many other accidents you have had, the cause of your accident, the severity of the damage, your vehicle’s make and model, whether you were intoxicated, and where you live. For an at-fault accident involving bodily injury, your rates could increase by as much as 92% in California. Wow! Thankfully, not everyone sees this spike. On average, you will probably be raised somewhere in the 20% to 40% range for an accident you cause.

This doesn't mean you're out of options. First, look into accident forgiveness. It is very possible that if this is your first wreck with your RV, your insurance company will either let it go or drop it from your record in a short amount of time. Get back to focusing on good driving and you won’t feel the heat for too long!

If you’re not happy with your renewal rate after an accident, move on to a new RV insurance company. Although you’ll still pay more than if you had a clean driving record, you can find a company that offers you a lower rate than your current company while still providing the protection you need. It may be that they aren't giving you the best rates possible. Don’t just renew and accept whatever price they give you! The right RV insurance company will still be affordable, regardless of your accident history.