Imagine a friend or family member asks to borrow your RV for the weekend. You trust them, they’re responsible, and you want to help out. But before handing over the keys, it’s important to ask a critical question: Does your RV insurance cover someone else driving it? At Maple Mountain Insurance Services in Mapleton, UT, we hear this question often, and the answer isn’t always straightforward.

Coverage Depends on Your Policy

Most RV insurance policies provide some level of coverage when someone else is driving your RV. However, this coverage typically comes with conditions. For instance, the person borrowing your RV may need to have a valid driver’s license and be listed on your policy. Some policies automatically extend coverage to occasional drivers, while others require you to name anyone who might use the vehicle specifically.

What Happens in the Event of an Accident?

If your friend gets into an accident while driving your RV, your insurance may cover the damage, but you could be responsible for paying the deductible. Additionally, depending on the circumstances, your insurance rates might increase. This is why it’s crucial to understand the terms of your policy before allowing someone else to drive your RV.

When in Doubt, Ask

Every insurance company handles this situation differently. The best approach is to review your policy or consult your agent. Asking a few questions now can save you from dealing with an unexpected claim later.

At Maple Mountain Insurance Services in Mapleton, UT, we’re here to help you navigate your RV insurance. If you have questions about coverage for borrowed vehicles, contact us today. We’ll ensure you’re protected.