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If you have an RV, you probably wonder what would happen if you were to get into an accident and how to go about such an event. The truth is, RV accidents are prevalent, and some may be inevitable no matter what kind of vehicle you drive. However, an RV accident is handled differently than collisions with traditional cars. Read on to be better prepared for a potential accident so you can keep your trip running smoothly.
Safety First
First and foremost, you must always make the safety of yourself and others your top priority. When your vehicle has come to a stop, check that everyone is okay and try to vacate the vehicle if it seems safe. If not, call 911 and wait for them to assist you.
Once everyone is free from further harm, call the police regardless of whether you need additional help. If there was another vehicle involved in the accident, be sure to check on those passengers if it’s safe to vacate your RV.
Transferring the RV
Move your RV to the side of the road if you are safe to do so. However, under no circumstances should you attempt this if you have a towable trailer, as you can not be sure of the hitch’s security.
As you wait for help, be sure to stand a reasonable distance away from the RV, as leaked fuel can be hazardous.
Documentation
Be sure to get insurance and vehicle information of any others involved in the accident. Ideally, you can complete this step before any outside help has arrived. Take as many pictures and write down as much information as you can, as any details can significantly help when going to make a claim.
Contact your Insurer
Try to call your insurance agent while you are still at the scene of the incident to walk you through the next steps of what they’ll need to assist you further. Your agent can advise you on the specific information you should gather, as you may be a bit shook up from being in an accident.
You will then want to follow your insurance claims process that your agent provides. Keep in mind that this process for an RV will differ from a car. How the claim is handled will be dependent upon many variables, such as injuries and damages involved.
RV Inspection
Be quick to get a reputable mechanic to inspect your RV and verify the damages. Whether it must be towed there or you can take it in yourself, promptly providing this information to your insurer is needed to set up a claim.
Even if damages are not visible to you, it should still be taken to get a professional’s opinion. With inspection delay comes the chance that issues may arise, which your insurance can no longer cover.
After a significant accident, you will likely need to replace your hitch system, as it commonly bends, cracks, or breaks under that kind of stress. When the hitch strength is compromised, the trailer may become loose on the road.
About Transparity Insurance Services
Transparity Insurance Services was founded for the purpose of helping clients to ensure their property and assets with no hassle. We are committed to providing a simple, easy, efficient, and positive experience to all of our clients, and prioritize open and transparent communication with our clients. Through our excellent customer service and technology, we can help you to find the right insurance program at a competitive price. Contact us today at (855) 889-2037 to learn more about what we can do for you.