Posted on April 13, 2017
Like any responsible RV owner, you probably already have special insurance that is specifically designed for motorhomes. That is a great and important step, but it's not really enough. Do you know what to do in the event that you are involved in an accident with your motorhome? One thing's for sure: You don't want to try to figure it out in the heat of the moment. For the most part, dealing with an accident in a Class A motorhome, RUV, Toy Hauler or other vehicle is similar to dealing with a regular car accident. Still, read on to pick up some useful tips so that you're prepared if and when the time comes.
Know the Procedure
The best place to turn for information about what to do in the event of an accident in your Class C motorhome, gas RV, diesel RV or other vehicle is your insurance provider. They should have a process in place for handling accidents. They should be able to provide you with specific instructions about how to proceed in the event of a mishap. This includes providing you with a number to call, which you should keep handy so that you don't have to search for it under stressful conditions.
Keep Your Information Organized
This should go without saying, but make sure that you always have your registration, proof of insurance and other important documents on hand and ready to go while traveling by RV. The last thing that you need is to have to scour your motorhome for the documents that you need in the immediate aftermath of a crash or other accident. Be diligent about placing new copies of your documents in your Class A toy hauler or other vehicle so that you don't inadvertently drive around with expired information.
Be Prepared to Document Everything
Right after an accident occurs, the first order of business is ensuring that everyone is okay and seeking medical attention if necessary. Once that's out of the way, you should document as much as you can about the incident to make things easier legally and for insurance purposes. While you can certainly jot notes on your smartphone, you should also keep a small notepad and a pencil in your glove box, so that you can quickly and easily jot notes. Although it is unlikely that you will ever be involved in an accident with your gas or diesel RV, it's better to be safe than sorry.
Keep a Camera Handy
Most of us carry cameras around in our pockets 24/7 thanks to smartphones. Another important way to document an accident involving RVs is by taking as many photos as possible immediately after the incident occurs. What happens if your phone battery is dead or if you are otherwise unable to access a reliable camera? For this reason, consider keeping a disposable camera in your RUV or Class A toy hauler. Odds are that you will never need to use it, but if you do, you will be glad that you kept it handy.
Call the Police
Just as you would if you got into an accident while driving a regular car, you should always notify the police when involved in one with your Class A motorhome, diesel RV, gas RV or other vehicle. Most police have dealt with accidents involving RVs before, so they should be able to tell you how to proceed. The same rules apply under these circumstances as they do when being involved in an accident with a regular car. The most important one of all is to not admit any liability to law enforcement. The other is to get the other party's information.
Being involved in an accident with your toy hauler, Class C motorhome or other vehicle is stressful and frightening. Don't wait until it happens to figure out what to do. One of the wisest things that people can do when traveling in motorhomes is to stay organized and to know what to do in the event of an emergency. Make sure that you know how to handle yourself in the unlikely event that this happens to you. You'll have greater peace of mind, and you will be able to stay cool and collected if something unexpected happens.