If you’ve ever lightly bumped a post at the campground or clipped a mirror in a crowded gas station, you may be asking: does insurance cover fender benders in an RV? While these low-speed accidents might seem minor, they can still lead to costly repairs—and potentially higher premiums. Understanding how RV insurance handles these situations can help you make the right call when it comes to filing a claim and protecting your rates.
What Is a Fender Bender for RVs?
In the world of RV travel, a fender bender typically refers to a low-impact accident resulting in minimal damage. It could be a scraped panel while backing into a tight campsite, a bump in a parking lot, or a small collision during low-speed turns.
Even if no one is hurt and the damage is minor, insurers still categorize these events as accidents—and they can affect your driving record and premium rates if you file a claim.
What To Do After an RV Fender Bender
RV incidents can be stressful, especially when you’re far from home or towing a large rig. Here’s what to do to stay calm and covered:
1. Check for Injuries and Exchange Information
Ensure everyone is safe, then exchange names, contact information, insurance details, license plate numbers, and driver’s license numbers. Take photos of all visible damage to both vehicles and the surrounding area, including road signs, weather, or surface conditions.
If you’re at a campground, alert the manager. They may have incident protocols or security footage.
2. File a Report (When Necessary)
Some states require a police report if damage exceeds a certain dollar amount or if injuries are involved. When in doubt, it’s best to file a report—especially if you intend to file an insurance claim.
In private RV parks, campground incident reports can also help support your case.
3. Decide Whether to File a Claim
Here’s where it gets tricky. If the cost to repair your RV is close to or less than your deductible, you may opt to pay out of pocket to avoid a potential rate hike. But keep in mind—if the other party decides to file later, you could be held responsible whether or not you filed a claim.
Be sure to document the incident fully, and contact your insurance provider to discuss your options—even if you’re undecided about filing.
Will a Fender Bender Affect My RV Insurance?
Yes, especially if you’re found at fault. Even a minor bump can cause a noticeable increase in your premiums. You may also lose claims-free or accident-free discounts, which can add up over time. That’s why it’s important to weigh your options carefully and review your policy regularly.
So, Does Insurance Cover Fender Benders?
In most cases, yes—insurance does cover fender benders for RVs, as long as you carry collision coverage. However, that doesn’t always mean filing a claim is the best move. Every situation is different, and that’s where expert advice can make all the difference.
At Happy Camper Insurance, we help RV owners navigate the ins and outs of coverage—whether it’s a minor scrape or a major trip interruption.
Let us help you review your policy and compare quotes, so you’re fully prepared the next time you’re wondering: does insurance cover fender benders?
