South Carolina RV Insurance Information
(Recreational Vehicle)
The value of good recreational vehicle insurance often doesn't become apparent until you really
need it. Whether it's a minor fender bender or a more substantial accident, it pays to have South
Carolina RV insurance coverage you can count on.
Let one of our experienced South Carolina RV insurance policy specialists explain the different
Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, and
Medical coverages, as well as Full-Timer coverage, Vacation Liability coverage, Total Lost
Replacement Cost coverage for newer RV's, and the deductibles that are available for you to
choose from. We offer affordable recreational vehicle (RV) insurance policies from leading
insurance companies serving South Carolina.
Learn more about South Carolina RV Insurance policy coverage options below!
Click on the link below to fill out a secure quote request form for a South Carolina RV Insurance
policy that will provide excellent RV insurance coverage at an affordable cost. Or you can speak
with our South Carolina RV Insurance specialist toll free at (800) 849-7475 to discuss the policy
features in more detail.
We are a Columbia, SC insurance agency offering affordable South Carolina
RV insurance policy coverage in the following towns, cities and counties in
South Carolina: Chapin, Arthurtown, Saluda Terrace, Sandwood, Arcadia
Lakes, Cayce, Olympia, Forest Acres, Dentsville, Eau Claire, West
Columbia, Springdale, Denny Terrace, Belmont, St. Andrews, Irmo, Oak
Grove, Lexington, Galaxy, Bluff Estates, Hazelwood Acres, State Park,
Haskell Heights, Lincolnshire, Ballentine, Killian, Red Bank, South Congaree,
Edmund, Gilbert, Summit, Gaston, Hopkins, Capitol View, Horrel Hill, Fort
Jackson, Pontiac, Elgin, Blythewood, Camden, Richtex, Whitehall, White
Rock, Sumter, Lugoff, Boykin, Rembert, Hagood, Horatio, Stateburg, Borden,
Wedgefield, Oswego, Gadsden, Fort Motte, St. Matthews, Swansea,
Woodford, Winnsboro, Pelion, Steedman, Samaria, Monetta, Batesburg
Leesville, Stoney Hill, Prosperity, Newberry, Peak, Little Mountain, Slighs,
Pomaria, Jenkinsville, Rion, Winnsboro Mills, Simpson, Smallwood,
Ridgeway, Orangeburg, Lexington County, Fairfield County, Calhoun County,
Sumter County, Kershaw County, Saluda County, and Richland County, SC.
We can also offer inexpensive South Carolina recreational vehicle insurance
coverage premiums throughout the Palmetto state, including in Florence,
Greenville, Spartanburg, Myrtle Beach, and Charleston, SC.

This coverage comes into play when an at-fault driver has RV, auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.

Underinsured Motorist Bodily Injury Coverage
This type of RV insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident
caused by a driver who has insufficient RV, auto or motorcycle insurance
coverage. The RV insurance coverage typically pays the difference between the
coverage limit you select and the other driver's bodily injury coverage limit. This is
not a required South Carolina RV insurance coverage.
Underinsured Motorist Property Damage Coverage
Protects you if your RV is damaged in an accident caused by a driver who has
insufficient insurance coverage. This coverage pays the difference between the
coverage limit you select and the other driver's property damage coverage limit.
This is not a required coverage in South Carolina.
South Carolina RV Insurance Policy FAQ
Click on the link below to fill out a secure quote request form for a South
Carolina RV Insurance policy that will provide excellent insurance coverage at
an affordable cost. Or you can speak with our South Carolina RV Insurance
specialist toll free at (800) 849-7475 to discuss the policy features in more
detail.
Covers damage caused to the insured's RV (your RV) from risks such as theft, fire,
falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The
deductible is the amount you choose to pay upfront (if any) before the South Carolina
RV insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the South Carolina recreational vehicle
insurance policy.
Covers damage caused to the owners RV from a collision caused by another auto, RV, or other
object. The deductible is the amount you choose to pay upfront (if any) before the RV insurance
policy pays. The higher the deductible chosen the lower the collision coverage cost within the
South Carolina RV insurance policy.
South Carolina RV Insurance Policy FAQ
South Carolina RV Insurance Policy FAQ
South Carolina RV Insurance Policy FAQ
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an
RV insurance policy. The minimum liability insurance coverage available for
purchase in South Carolina is 25/50 and is explained in detail below. However, we
recommend that you choose liability insurance coverage amounts that are much
higher than the minimums set by the state of South Carolina and are listed below.
Contact us toll free at (800) 849-7475 to discuss what liability coverage amounts
you require to meet your family and personal needs.

South Carolina Liability Coverage limits explanation:
25/50/25 25=$25,000 - 50=$50,000 - 25=$25,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, RV, car, truck, fence, or house, is covered through property damage
RV insurance coverage. This coverage also assists in protecting you if a lawsuit
arises from an accident. The minimum coverage amount in South Carolina is
$25,000.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings,
neck braces and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.

$5,000 death benefit

South Carolina RV Insurance Policy FAQ
South Carolina RV Insurance Policy FAQ
South Carolina does not require (PIP) or personal injury protection coverage. This
coverage pays medical bills for injuries suffered in an auto accident regardless of
who caused the accident.
Medical payments coverage pays for the medical and funeral expenses for you or
others hurt or killed in an accident while riding in or driving your RV. Claims against
this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental,
professional nursing, prosthetic, and funeral expenses. It will also cover you or
members of your family if you are hit by a RV when you are walking or if you are
riding in another RV. This coverage will pay for your medical and funeral expenses
even if you cause the accident. The coverage is often limited to medical care you get
in the first one, two, or three years after the accident and is limited to a specific dollar
amount. This is not a required South Carolina recreational vehicle (RV) Insurance
coverage.
South Carolina RV Insurance Policy FAQ
25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured in an accident.
Second number = uninsured motorist maximum for all injuries in one accident.

Example of uninsured motorist limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at
fault driver who has no auto liability insurance. This coverage is required in a South
Carolina RV Insurance policy. Contact us today to discuss what uninsured coverage
amounts you require to meet your family and personal needs.

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RV Insurance
South Carolina
Personal Insurance
Russell-Massey & Company, Inc.
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Russell-Massey
& Company, Inc.
General Insurance
South Carolina RV Insurance
800-849-7475 toll free
803-779-7854
Serving South Carolina Since 1955
Russell-Massey & Co.
1320 Elmwood Avenue
Columbia, SC 29201
Richland County, SC
Toll Free: (800) 849-7475
Office: (803) 779-7854
Fax: (803) 799-6546
Russell-Massey & Co.
409 Lexington Avenue
Chapin, SC 29036
Lexington County, SC
Office: (803) 941-3650
Fax: (803) 941-3654
South Carolina RV Insurance Knowledge

Just like your solid concrete floored home, RV's are vulnerable to theft, as well as damage and risk of
property injury. An insurance company views an RV as a home because you can live in them for extended
periods of time.

Because of the high cost of most RV's, it's a good idea to purchase total replacement coverage, so that in the
event of a large accident that totals your RV you will be reimbursed for a complete replacement of the RV,
instead of only for its current market value.

RV Specific Insurance Coverages to Consider Include:

Vacation Liability - Pays for bodily injury and property damage that occurs at a vacation site, such as an RV
Park

Roadside Assistance - Covers charges when you break down and need help or run out of gas

Theft / Vandalism - Reimburses the owner for items stolen from the RV or damaged in a break-in theft

Property Damage - Pays to repair the damages an RV driver causes someone else

Uninsured / Underinsured Motorist - Covers repairs when the driver at fault doesn't have enough
insurance to cover the damages-or any insurance at all. This could be very important considering the cost of
your RV and the ability of someone elses insurance to cover the damage.

RV owners should take these RV specific coverage options into serious consideration before just adding their
RV to a regular car insurance policy.
Richland County & Lexington County, SC Area