Reader’s Question:

I am from California. I am thinking of renting a camper van to drive around the country for a month. What do I need to know about camper van insurance?

Mandy

Los Angeles, CA

When renting a camper van, it is important to know the level of coverage the camper van insurance gives you. All companies renting out camper vans in the state of California have to provide state-imposed minimum levels of liability insurance to its customers. This means that damages you have caused to persons and/or property will be covered by the rental camper van insurance provided that all expenses fall within the stated limits of coverage you have obtained.

When in an accident, it is important to note that certain measures need to be taken cared of so as not to be denied of the benefits of the rented camper van insurance. Firstly, you will need to inform the company who rented out the camper van. After that, you need to get a local police report from the attending law enforcement officer at the scene of the accident. Fill out the accident report form found inside the vehicle. You will need to supply the names, address, phone number and driver’s license information of the other party involved in the road accident. Also, write a complete written report of the incident. Bear in mind that the form should contain the police report number. The form should be passed to the rental company when returning the camper van. When renting camper vans, it would be good to obtain the supplemental Collision and Comprehensive Insurance as the cost to repair this type of vehicle is very expensive. So having this type of insurance at least gives you the peace of mind that you would not have to shelve out large amounts of money if you damaged the camper van. However, certain situations like driving the vehicle off the road may automatically forfeit your Collision and Comprehensive insurance benefits.