Blogs and Resources - LA Insurance

The answer is yes. If you have comprehensive RV insurance, your insurer might pay for water-related repairs or replacements. However, how the water damage occurred determines if your insurance will cover it. For example, if your RV gets damaged from natural events like hail, floods, or heavy rain, comprehensive coverage can help pay for repairs. 

Liability insurance is a cornerstone of car insurance. It offers protection against third-party damages and injuries after accidents. But does liability insurance cover theft? Unfortunately, it doesn’t. Liability insurance only covers damages you cause to others, not your own vehicle. This means If your car is stolen or vandalized, liability coverage won’t help. Instead, comprehensive car insurance steps in to cover theft, break-ins, and related damages.

If you drive an older car—maybe 10 or 20 years old—you might be considering dropping some coverage to save a few hundred dollars. Since liability-only insurance is mandatory, you’re likely debating whether to keep or drop collision coverage. There is no short answer to it. It depends on your financial situation, your car’s actual cash value, insurance cost, loan or lease status, deductible vs. payout, and your driving habits.