If you own an RV and already have a roadside assistance plan like AAA, it’s easy to assume you’re fully protected. After all, AAA can help with flat tires, towing, or dead batteries. But those services, while helpful, don’t replace actual RV insurance, and relying on them alone could leave you with major gaps in protection.
What AAA Covers vs. What It Doesn’t
AAA’s roadside assistance is great for emergencies, but it doesn’t cover accidents, liability, or physical damage. If you’re at fault in a collision, hit a tree while backing up, or cause damage at a campground, AAA won’t pay for repairs or legal costs. That’s where RV insurance comes in. A proper policy can include liability, collision, comprehensive coverage, and even protection for personal belongings inside the vehicle.
Depending on how you use your RV, coverage needs vary. If it’s a full-time residence, you’ll likely need broader protection that covers all your possible needs on the road. Occasional road trippers still need coverage for travel risks, weather events, theft, and other incidents.
Don’t Assume Your Auto Policy Covers It
Some RV owners believe their standard auto insurance will extend to their RV, especially if it’s towed. However, that coverage is typically limited and may not cover damage to the RV itself or its contents. Without an RV-specific policy—which you can get through Red Rock Insurance serving Las Vegas, NV—you could be left paying out of pocket.
AAA can be a valuable tool for emergencies, but it’s not designed to replace insurance. For full protection on the road and at your campsite, a dedicated RV policy is the right move. If you’re unsure what kind of coverage fits your lifestyle, speak with an insurance agent at Red Rock Insurance serving Las Vegas, NV. One conversation now can prevent serious problems later.
