Updated: March 2016
Life on the road can come with an assortment of hazards — rain, traffic and construction zones among them. And while an accident can be stressful for any driver, it can be doubly so for a motorhome owner — because your vehicle isn't just your ride, it's also your home while you're on the road.
So what do you do when you're involved in an accident in your motorhome? You'll likely want to follow many of the same steps you'd take in any kind of motor vehicle accident, says the Insurance Information Institute (III).
Check for injuries. Just as you would in an accident involving your car, you'll want to stop and check to see whether anyone is injured, the III says. That includes your passengers, the drivers and passengers of other vehicles and anyone else involved in the incident.
Call the police. Some states have certain thresholds that dictate when to call police. For example, in Wisconsin you are required to report an accident if there's an injury or it results in at least $1,000 in property damage to anyone involved. But, either way, you'll likely want to call the authorities to document any damage or injuries in case you need to make a claim. Having the police on hand may also help if you discover the other driver is uninsured or you come across other unexpected post-accident situations, the III says.
Decide whether to move your motorhome. If your motorhome isn't disabled, you may want to safely move it off the roadway to avoid traffic snarls or even a second accident. In some states, moving your vehicle after an accident may be the law.
Exchange information. You'll want to swap contact information, along with basic vehicle and insurance information, with anyone involved in the accident, the III says. State laws often require you to share certain types of information (like driver's license numbers).
If there is anything about the accident that doesn't feel right, the III says, tell the police and your insurance company. And refrain from confronting other parties involved in the accident. Instead, let the police and your insurance company investigate the situation, the III suggests.
Take care of details. Write down details of the accident (draw a diagram if you have to) and snap pictures of any damage, suggests Consumer Reports.
Call your insurance agent. Notify your insurer as soon as possible. An agent will let you know what information you'll need to provide to file a claim and help get that process underway. Reporting an accident within a certain time frame may even be a condition of your insurance policy.
Ask what coverages apply. Policies vary, so talk to your agent about which coverages on your motorhome policy might apply. For instance, collision coverage is designed to kick in to help pay for damage to your motorhome if you've hit another vehicle, animal or object in a covered accident. If you have liability coverage (something most states require), it may help pay for another person's medical bills or damage to their property if you're found at fault.
As much as you prepare for safe travels, the unexpected can still happen. Keeping calm, being thorough at the accident scene and promptly reporting the incident may help you get back on the road more quickly.