Let’s say you’ve got a motorhome sitting in the driveway, and a close friend or family member asks to borrow it for a weekend getaway. You trust them, of course, but have you ever wondered how your insurance would respond if something went wrong while they were behind the wheel? At Hausmann Insurance & Financial Services in Charlotte, NC, and Waxhaw, NC, we get this question more often than you might think.
Whose Insurance Applies?
In most cases, your motorhome insurance follows the vehicle, not the driver. That means if your motorhome is involved in an accident while a friend is driving, your insurance typically responds first. However, there are exceptions. If the person borrowing it lives with you or uses the motorhome regularly, your insurer might expect them to be listed on the policy. If they’re not, it could cause complications when filing a claim.
Understanding "Permissive Use"
Most policies include something called "permissive use," which means occasional drivers who have your permission to use the vehicle are covered. However, the coverage limits might be lower than if you were driving, and some optional coverages may not apply. It’s always a good idea to double-check your policy before handing over the keys.
Plan Ahead for Peace of Mind
Before you lend out your motorhome, it’s smart to have a quick conversation with your insurance agent. That way, there are no surprises if something unexpected happens on the road.
If you have questions about what your motorhome policy covers, or if you’re looking to make sure you’re fully protected, reach out to Hausmann Insurance & Financial Services in Charlotte, NC, and Waxhaw, NC. We’re happy to guide you every step of the way.
