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When exploring the open road in your RV, cruising on your boat, or hitting the trails on your powersport vehicle, the last thing you want to worry about is an accident with an uninsured driver. 

Yet according to a 2022 study from the Insurance Research Council, about one in seven drivers in the U.S. is uninsured. That’s why the best RV insurance—and comprehensive recreational coverage for boats and powersports—should include uninsured motorist (UM) and underinsured motorist (UIM) protection.

These coverages ensure you’re not stuck paying out-of-pocket if you’re hit by a driver without enough (or any) insurance. Here’s what you need to know to keep yourself and your recreational vehicles fully protected.

Uninsured vs. Underinsured Motorist Coverage

UM and UIM are often bundled together, but they protect against different scenarios:

  • Uninsured Motorist (UM): Covers medical bills and other recovery costs if you’re hit by a driver with no insurance.
  • Underinsured Motorist (UIM): Kicks in when the at-fault driver’s insurance doesn’t cover the full extent of your damages, closing the gap between their limits and your costs.

For RV, boat, or powersport owners, these coverages are especially important when traveling through multiple states, where insurance laws and minimum liability requirements can vary.

What UM/UIM Coverage Includes

Uninsured and underinsured motorist coverage typically breaks down into two types:

  1. Bodily Injury (UMBI/UIMBI): Covers injuries to you and your passengers, including medical expenses, lost wages, and even funeral costs.
  2. Property Damage (UMPD/UIMPD): Helps repair or replace your RV, boat, or powersport vehicle if it’s damaged in an accident caused by an uninsured or underinsured driver (availability varies by state).

UM coverage often also applies to hit-and-run accidents, which are unfortunately common in high-traffic and tourist areas frequented by RVers and boaters.

Do You Need UM/UIM Coverage?

Many states require UM/UIM coverage, while others make it optional. Even if it’s not mandatory, adding it to your RV, boat, or powersport insurance policy is highly recommended. Without it, you’d be left paying for vehicle repairs or medical bills out of pocket—or pursuing lengthy, costly legal action against an uninsured driver.

How Much Does UM/UIM Cost?

UM/UIM coverage is relatively affordable, often ranging from $60–$100 per year, depending on your state and policy limits. The cost is minimal compared to the potential financial burden of an accident caused by an uninsured or underinsured driver.

If you own an RV or recreational vehicle, you may also have the option to “stack” coverage if you insure multiple vehicles. Stacking combines your limits across vehicles, offering a higher total payout for a single claim.

Why UM/UIM Is Essential for RV, Boat, and Powersport Owners

Uninsured and underinsured motorist coverage isn’t just for cars. RVs, boats, and ATVs are valuable assets that face unique risks. From highway accidents to hit-and-runs at campsites or marinas, the best RV insurance and recreational policies account for every scenario, ensuring you’re financially protected wherever your adventures take you.

Get the Best RV Insurance With Happy Camper

When it comes to protecting your RV, boat, or powersport vehicle, uninsured motorist coverage is a crucial part of any policy. At Happy Camper Insurance, we help travelers find the best RV insurance and recreational coverage to fit their lifestyle—so you can focus on the journey, not the what-ifs.

Contact Happy Camper Insurance today to review your policy or get a quote for RV, boat, or powersport coverage that keeps you safe on every adventure.