In Oregon, as with other US states, owners of all types of automotive conveyance must obtain insurance before operating the vehicle on the road. This law applies to RVs and motorhomes, too. Oregon sets higher insurance requirements than other states, so let’s review the minimum policy you need to purchase from Northwestern Insurance Group LLC.
Oregon’s Minimums for RV Insurance
Although Oregon’s legal requirements for RV insurance largely center on liability, like other states, it also requires medical coverage for the policyholder. To drive legally, you will an RV policy that provides:
- $25,0000 in bodily injury liability coverage per person
- $50,000 in bodily injury liability coverage for all persons per accident
- $20,000 in property damage liability coverage
- $25,000 in uninsured motorist coverage per person per accident
- $50,000 in uninsured motorist coverage for all persons per accident
- $15,000 in personal injury protection per accident.
Before you pull out of your Portland, OR driveway, make sure you have a motorhome policy in place with at least that level of coverage.
Protecting Your RV with Insurance
The Oregon legal requirements don’t include coverage for your RV. Protecting your ride remains optional, but we recommend you include this type of coverage, too. What would you need to protect your roving home away from home? Collision, comprehensive, and roadside assistance coverage would provide you with the protection needed.
Collision Coverage
Collision coverage provides financial compensation for damage to your RV from any type of collision. That means it could have incurred damage when the person driving it hit a fence, mailbox, or tree. It would also receive coverage from a collision with another vehicle.
Comprehensive Coverage
Comprehensive coverage protects your finances by making sure you don’t have to pay out of pocket when a natural or man-made peril damages your vehicle. It offers protection whether damage comes from vandalism or volcano.
Roadside Assistance Coverage
Adding roadside assistance coverage ensures that you’ll have help no matter where you experience RV trouble. If you run out of gas outside Topeka, KS, or have a flat tire in downtown Seattle, WA, it won’t matter. Use your roadside assistance coverage to obtain quick assistance from a nearby affiliated garage or tow service.
Contact Us Today
Before you drive your RV anywhere in or around Portland, OR, contact Northwestern Insurance Group LLC for the motorhome coverage you need. We can help you build a custom insurance policy that provides you with every coverage you need.
