INSURANCE

Frequently Asked Questions

How does insurance work and what does it cover?

When RV rentals are booked and paid for on rvrentals.com, owners automatically receive automobile liability coverage up to $1 million during the rental period. This policy covers physical damage to your RV due to covered accidents. Normal wear and tear, maintenance, personal affects, and mechanical issues are excluded. Renters select coverage during rental bookings but their choice will not affect the owner's protection.

When does insurance coverage begin and end?

Coverage begins during the rental period. The rental period is defined as the point when the keys are exchanged with the renter until it is returned to the owner’s control.

What insurance packages are offered to renters?

Renters are required to pick from one of three insurance options (Good, Better, Best) with varying costs, deductibles, and coverage. Their choice does not affect the owner's protection.

Does a renter need personal insurance?

If the renter is renting a towable RV, the renter will need personal auto insurance that is applicable to the tow vehicle, which is not covered by our policy.  The renter is also responsible for their own personal affects.

Does an owner need personal insurance?

Personal insurance carried by the owner will be excess to the insurance provided by Good Sam during the rental period. It is required that RV Owners have their RV unit insured in order to meet state registration guidelines and to protect themselves at times the RV is not rented on rvrentals.com. The owner's personal items are subject to a preset security deposit.

Are there requirements to rent an RV?

Renters are required to be at least 25 years of age and pass our verification process. This process includes ID verification, driving history check, credit card authorization and/or payment, and satisfy other risk factors. Non-US drivers can also rent with verification of their license through an automated system.

Is there a minimum or maximum amount of rental days?

Yes, our standard minimum is a 2-day rental (though owners may choose to set this minimum higher) with a maximum of 30 days per rental.  If you are interested in a rental for longer than 30 days, please contact us at [email protected].

What should I do if my RV is damaged during the rental period?

Renters should notify owners of any accidents or damage and Good Sam RV Rentals should be notified by contacting us at [email protected]  as soon as possible.  Be sure to capture photos, details, and police reports to help expedite the claims process. 

What happens after a claim is filed?

After the [email protected] team is informed of a claim, they will be in touch to ensure we have all necessary details and the owner will be contacted by an insurance adjuster.

What documents are needed to file a claim?

Necessary documents to file a claim are rental ID number, photos, any information exchanged at the scene (information about the other vehicle/party if applicable), and law enforcement reports or details. 

What happens in the event of a total loss?

In general, the value of the RV and any potential salvage value will be estimated by the insurance company.  The owner or lienholder, if applicable, will be given the option to keep the totaled vehicle with the estimated salvage value reducing the payout amount.

If my RV undergoes insurance repairs, am I covered for lost trip revenue or other lost use of the vehicle?

No, loss of use is not covered by our insurance.

What if damage is discovered after the renter returns the unit?

We understand that sometimes returns can happen at night when a detailed inspection isn't possible. Owners should be sure to do a thorough inspection; take photos and document the RV's condition as soon as possible after the end of a rental. You should report any damage to us at [email protected] within 24 hours of the end of a trip. 

Where can I rent an RV?

RVs can be rented in any U.S. state, excluding New York. 

What about mechanical damage I believe was caused by a renter?

Mechanical breakdowns, normal wear and tear, and maintenance are not covered by Good Sam RV Rentals or our insurance.  Notify us at [email protected] within 24 hours in order to hold a security deposit while the matter is investigated. 

How do we ensure that a renter knows how to tow a trailer properly? 

Per the terms of our rental agreement, as the owner, you have the right to cancel a rental if you don't feel confident in the renter's ability to handle your RV. Please contact [email protected]if you have any questions.

Can I use a GPS tracker or similar device when I rent out my RV?

This is subject to state laws about proper disclosure of such a tracking device.

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