The staff at Johnston Meier Insurance understands that no two vehicles need the same additional coverage, including recreational vehicles. If you drive a motorhome, 5^th wheel, or travel trailer, your ICBC basic insurance might not give you adequate financial protection while you’re driving.

Our network of insurance providers can provide add-ons that surpass your basic coverage. A recreational vehicle is an expensive investment that brings you and your family joy as you cruise the British Columbia’s scenic highways. The impending costs after a collision, vandalism, or theft can leave you financially strained with bills for repairs and possible medical expenses. While ICBC coverage allows you to drive your RV throughout the province legally, the costs of restoring or replacing it after an accident may exceed what ICBC will handle. If you’re found at fault for a collision, your financial responsibilities increase with the damage to other vehicles and their passengers.

Whether you need excess third-party liability or gap coverage to close the cost difference on a replacement, we’ll help you select the options that suit your insurance needs and fit within your budget.

What Does Basic ICBC Insurance Cover?

With your mandatory basic coverage with ICBC, you get minimal required insurance that encompasses injury treatment, liability, and other damages. The Basic Autoplan insurance only covers you up to a certain amount, which may fall short of your incurred expenses from an accident. There are also restrictions with ICBC coverage, such as it’s limited to Canada and the United States. If you’re driving to Mexico or plan to take your RV abroad, you’ll need to purchase insurance before crossing the border. ICBC’s insurance includes:

• Third-Party Liability – This coverage protects you from other motorists’ claims for material damage or injury to a maximum of $200K when you’re found at fault for an accident.
• Accident Benefits – Regardless of who was responsible for an accident, these benefits pay for medical expenses, rehabilitation, and other treatment costs, as well as the loss of benefits or wages and the expenses of a crash-related death.
• Underinsured Motorist Protection – You and your other household members are covered when a motorist is responsible for a crash but doesn’t have insurance, or the insurance they have is not sufficient to cover all the resulting injuries.
• Inverse Liability Coverage – This benefit covers you for any damage to your RV or automobile in parts of the United States and Canada, where you’re restricted by law from recovering your losses from the driver responsible for the crash.
• Protection Against Uninsured and Hit-and-Run Motorists – If you are killed or injured by an uninsured or hit-and-run motorist, this insurance benefit covers you to a maximum of $200K.

Enhance Your Coverage with Private Insurance

Driving a recreational vehicle is already a costly investment of both time and money. You don’t want to add to the financial strain with overwhelming expenses after an accident. You can drive a travel trailer, motorhome, or 5^th wheel vehicle and need insurance coverage that protects you from draining your life savings on medical bills, repair costs, and lost wages from missing work. While ICBC’s Basic Autoplan insurance allows you to drive your RV legally, the benefits and restrictions might make your coverage fall short of what you need. When you work with the team at Johnston Meier Insurance, we help you enhance your insurance to sufficient coverage through our network of insurance providers. You can bolster your basic ICBC coverage with optional benefits that surpass the minimum requirements. Here are some examples of benefits our providers offer:

• Excess third-party liability gives you protection that exceeds the minimal $200K if you’re found at fault for an accident that results in damages or injuries.
• Collision covers the costs of your vehicle repairs regardless of who is responsible for an accident.
• Comprehensive coverage gives you protection from various types of damage to your RV that are not related to a collision.
• Replacement cost coverage provides a brand-new vehicle or a cash payout if your RV is deemed a total loss.
• Excess underinsured motorist protection covers the expenses of you or your passengers if an at-fault driver causes a crash, and their insurance isn’t enough to pay for the resulting injuries or damages.

Let Us Help You with Your ICBC Renewals

To help you stay legal on the road, Johnston Meier Insurance offers ICBC renewals so that your recreational vehicle has the required minimum coverage. Our priority is to ensure you get the insurance coverage you need to drive safely and without the worry of financial burdens if you’re involved in an accident. While our network of insurance providers can help you find benefits to enhance your protection from resulting vehicular damage or injury, the first step is to make sure you comply with our provincial laws. Our staff will help you through every step of insuring your RV, so you can just enjoy the open road.

Johnston Meier Insurance Network of Providers

Johnston Meier Insurance is ready to help you protect your 5^th wheel, motorhome, or travel trailer with optional insurance that covers your financial worries. Contact us today to speak with a member of our staff about your insurance needs, or you can request a quote by filling out a simple form.