Traveling through North Carolina and the rest of the great American open roads with your RV can be an adventure, especially if you’re towing a car behind you. This affords you the convenience of simpler travel for smaller side trips. Whether you’re headed to the mountains or parked at a local campground, you might wonder: if something happens to the towed vehicle, will your RV insurance cover it? Jim Boyce Insurance, serving Matthews, NC, has the answer.

Towed Vehicles Aren’t Always Covered

Most RV insurance policies are designed to protect the motorhome itself, covering collision, liability, and comprehensive losses. However, that coverage typically does not extend to a vehicle towing behind the RV. If your car is damaged while being towed, the RV policy won’t automatically cover it unless your carrier offers a specific endorsement or add-on.

Depending on Your Auto Insurance

In many cases, the coverage for your towed car comes from your existing auto insurance policy. This means if your car is damaged while in tow—due to an accident, road debris, or another hazard—your car’s comprehensive or collision coverage would apply. That said, confirming that your policy remains active and includes the proper protection even when the vehicle isn’t being driven is important.

Additional Coverage May Be Available

Some RV insurance providers offer special options to extend limited coverage to towed vehicles. These options could include liability protection or even physical damage coverage in certain situations. These options vary, so it’s best to review your policy with an agent.

If you regularly tow a car with your RV, speak with your insurance agent at Jim Boyce Insurance, serving Matthews, NC, about how to best protect your RV and your towed vehicle. A quick review of your policies can help prevent surprises and give you a sense of security every time you hit the road.