Reply
 
Thread Tools Display Modes
Old 06-21-2014, 08:47 AM   #1
Junior Member
 
Join Date: Jun 2014
Location: Adelaide, South Australia
Posts: 12
What insurance??

We live in Australia and have just purchased a 2007 Lexington 283GTS to see the USA.
We will be covered for medical expenses by travel insurance, but wonder what vehicle insurance we need to protect against the cost of vehicle damage (ours and someone else's).
What is a reasonable charge for such cover?
Can someone suggest a reliable provider?
Things are different in the USA, any advice would be gratefully accepted
__________________

__________________
Kola Bear is offline   Reply With Quote
Old 06-21-2014, 10:01 AM   #2
Senior Member
 
bend302's Avatar
 
Join Date: Nov 2010
Location: Bronston, KY
Posts: 686
Most States in the USA require at least liability insurance that pays for any damage that is your fault and in some States, there is a "No Fault" program where everybody has to pay for their own costs of any damage.

You will probably need coverage before you can license the unit. Check with whomever you are buying from for a local agent.

There are lots of reputable ins. companies in the US. I would go with a major one. I think there is a thread on here that talks about RV insurance. Search for it and look it over.

Since I simply added my motorhome to my car insurance, I got some pretty good discounts so I really don't know much about cost.

Bill
__________________

__________________

Life is a journey, not a destination.
2005 Georgetown 359ts
Bill & Virginia, Kentucky
Nights camped in 2011...78 , 2012...73,
Nights camped in 2013...123, 2014 ...101
bend302 is online now   Reply With Quote
Old 06-21-2014, 02:17 PM   #3
Senior Member
 
Join Date: May 2014
Posts: 154
I would recommend to see if you can get a international drivers license. Think that's what they are called. Allows you to drive in other countries who may not accept your home countries license. See if you have something g similar
__________________
clutchd is offline   Reply With Quote
Old 06-22-2014, 11:03 AM   #4
Senior Member
 
tmhyer's Avatar
 
Join Date: Apr 2014
Posts: 299
Geico seems to have the best rates for rv insurance
__________________
tmhyer is offline   Reply With Quote
Old 06-22-2014, 05:46 PM   #5
Member
 
Join Date: May 2014
Location: Florence, AL/Helen, GA
Posts: 90
International Drivers License is not required in the U.S.

It's just required in Italy and a couple of European countries and translates license info into different languages. It's nothing official.

Aussie's speak the same English as us--somewhat.
__________________
Bamaman is offline   Reply With Quote
Old 06-22-2014, 05:51 PM   #6
Senior Member
 
Join Date: Apr 2012
Location: West Michigan/Fort Myers
Posts: 3,927
We found Good Sam's to be very good and cheaper than most. You would need to join GS first I think but the understand RV's and already know what coverage you need with out havering duplicate coverage. FMCA is also a good choice and worth joining anyway. Enjoy your visit to the US. I'm sure others will have input got you but those are the two I would recommend for a Motorhome.
__________________
Phil57 is offline   Reply With Quote
Old 06-22-2014, 06:21 PM   #7
Senior Member
 
Capt. Mike's Avatar
 
Join Date: Dec 2012
Location: Franklin County, MO
Posts: 1,742
Quote:
Originally Posted by Kola Bear View Post
We live in Australia and have just purchased a 2007 Lexington 283GTS to see the USA.
We will be covered for medical expenses by travel insurance, but wonder what vehicle insurance we need to protect against the cost of vehicle damage (ours and someone else's).
What is a reasonable charge for such cover?
Can someone suggest a reliable provider?
Things are different in the USA, any advice would be gratefully accepted
Kola Bear, here are some very basics of insurance here in the US:

LIABILITY insurance: Cover's the OTHER GUY's losses - property, injury, death - if you are at fault in an accident.

COLLISION insurance: Cover's your losses if you are at fault in an accident.

COMPREHENSIVE insurance: Covers your physical damage to property loss from things such as hailstorms, tornado, tree falling on your RV, animal running into your vehicle, etc.

As mentioned earlier, some states in the US have "no fault" insurance. In those states, if you are involved in a crash, each party's LIABILITY insurance covers the owner's losses.

In states that are not "no fault" states (and Missouri is one of them) if you were to crash your RV into the rear of another vehicle, and it is clearly your fault because you weren't paying attention (or for another reason), your LIABILITY insurance would cover the other party's damage, and your COLLISION insurance would cover your damage.

You are required to have LIABILITY insurance everywhere in the US. You are not required to have COLLISION or COMPREHENSIVE everywhere. If you are financing your RV, your lender will probably require you to have that coverage, though, to protect their (the lender's) interest. Wouldn't want you crashing the RV - your fault - and then just quit making payments. Nothing left for them to repossess, in that case.

Hope this helps you a little bit. There are reputable insurance companies all around this country. Geico is good for RV coverage, as are many others.

Enjoy the new RV and your trip up the eastern seaboard.
__________________
Mike and Yvonne
and Sophie, the little white dog
2017 Columbus 320RSC
2015 Chevy Silverado 2500HD Duramax 4X4
“It's not how old you are, it's how you are old.”Jules Renard
"It's not the years...it's the mileage." - Indiana Jones
Capt. Mike is offline   Reply With Quote
Old 06-23-2014, 05:13 AM   #8
Junior Member
 
Join Date: Jun 2014
Location: Adelaide, South Australia
Posts: 12
Smile Thanks

Thanks for the insurance info, especially Capt Mike. Your advice was just what I was after, and clearly stated so that even I could understand.
I have already joined Good Sam, so might go there and Geico to see what they offer.
Love this Forum.
__________________
Kola Bear is offline   Reply With Quote
Old 06-25-2014, 08:14 AM   #9
Old Fella
 
Aussiecat's Avatar
 
Join Date: Mar 2014
Location: Florida
Posts: 136
Matey, you're really going to love touring the US, just remember to keep the passenger side to the curb, they get a bit snarly when you come at them on the wrong side of the road. Do you have a planned route and things you want to see? How long you here for?


Sent from my iPhone using Forest River Forums
__________________
Aussiecat is offline   Reply With Quote
Old 06-25-2014, 07:53 PM   #10
Junior Member
 
Join Date: Jun 2014
Location: Adelaide, South Australia
Posts: 12
Hi Aussiecat,
Yes we are really looking forward to the 1st trip which will be from Orlando Florida to New York.
We don't have a specific route planned, but there are plenty of ideas on this forum I think.
Have you travelled in this area at all?
We are novices. Two families have gone halves in the Lexington, and plan to alternate our US visits over the next 3 or 4 years to cover a large part of the country.
We can't believe the value for money in MH's compared to what we are used to.
Have you been there long?
I think it will be safer if I drive on the side of the road I'm used to, I'm sure they will get the idea after a while.
__________________

__________________
Kola Bear is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off



» Virginia Campgrounds

Reviews provided by




ForestRiverForums.com is not in any way associated with Forest River, Inc. or its associated RV manufacturing divisions.


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -5. The time now is 10:53 PM.