RV Insurance Questions & Answers
Q) Can I add my RV to my auto policy?
A) Yes, you can but you will not likely get the coverage that you need. An specialized RV is
a combination of an auto policy and a homeowner policy. Oftentimes, it is less costly to
purchase an RV specialty policy.
Q) Which RV Insurance companies does Vista Group offer?
A) American Modern, Foremost, GMAC, National Interstate and Progressive.
Q) On average, which states have the most expensive RV insurance rates?
A) Based on our quoting experience, Florida and Texas are consistently the most
expensive. This kind of information is important for full timers.
Q) On average, which states offer the least expensive RV insurance rates?
A) Based on our quoting experience, California, South Dakota, Oregon and Washington
are the least expensive.
Q) Is RV insurance written out of the state that the unit is registered or garaged?
A) If you are full timing, it is based out of the state that your unit is registered. If not,
American Modern and National Interstate base it on your registration address, while
GMAC, Foremost and Progressive base it on your garaging address.
Q) On average, which states offer the least expensive RV insurance rates?
A) Based on our quoting experience, California, South Dakota, Oregon and Washington
are the least expensive.
Mexico Insurance Questions & Answers
Q) Do I need Mexico auto insurance?
A) The law in Mexico does not require you to have insurance to drive in Mexico - until you
get into an accident. Without the minimum liability coverage, you will be taken to jail
where the authorities will ascertain your innocence or guilt. It’s a major hassle that can
be avoided if you purchase Mexico Insurance.
Q) What is the difference between standard coverage and extended coverage?
A) The standard coverage is akin to basic coverage, while the extended coverage is the
same as a broadened policy in the U.S. The extended option covers vandalism, partial
theft and increased repair rates and increased medical and liability.
Q) What is the average cost difference in the hourly repair rates in Mexico and the U.S.?
A) In Mexico a Car is $38.00 per hour and a RV is $50.00 per hour. In the U.S. a Car is
$50.00 per hour and a RV is $70.00 per hour. The extended policy guarantees the
payment of average U.S. labor rates listed here.
Q) How much does Mexico Insurance cost?
A) The average cost for a liability only policy for 25 days - 6 months is $160.00. The
average cost for a full coverage policy for 25 days - 6 months is approximately one
percent of the value of your vehicle.
Q) Does my Mexico Insurance policy cover contents?
A) No it does not.
Travel Insurance Questions & Answers
Q) Why do I need Medical Insurance when I travel abroad?
A) To our understanding Medicare and many other Health Insurance companies will not
cover claims while out of the country. Vista Group’s Travel Protection Coverage will
cover you in case of a medical emergency so you will be able to travel well protected.
Q) If I have to cancel my vacation due to a pre-existing health condition, will my Travel
Insurance policy reimburse me for unused portions of my trip?
A) Yes, as long as you have purchased your Travel Insurance within 14 days of booking
your trip.
Q) What does travel insurance cover?
A) You are covered if an event came up that required you to cancel your vacation due to an
unforeseen circumstance. Examples such as; illness, death in the family, traffic accident,
terrorist attack, etc., you will be reimbursed for unused and non-refundable portions of
your vacation.
Q) When should I purchase my Travel Insurance?
A) When you make your initial deposit is the ideal time. However, if you need time to think
about it, make sure your purchase within 14 days of making your initial deposit. Your
investment is protected from the moment the policy is issued and your pre-existing
health condition will be waived if it leads to a cancellation.
Q) Should I purchase Travel Insurance to cover the entire cost of my vacation?
A) Absolutely, this is important if you want to ensure proper coverage after you pay the final
balance of your vacation.
Q) Can I add my RV to my auto policy?
A) Yes, you can but you will not likely get the coverage that you need. An specialized RV is
a combination of an auto policy and a homeowner policy. Oftentimes, it is less costly to
purchase an RV specialty policy.
Q) Which RV Insurance companies does Vista Group offer?
A) American Modern, Foremost, GMAC, National Interstate and Progressive.
Q) On average, which states have the most expensive RV insurance rates?
A) Based on our quoting experience, Florida and Texas are consistently the most
expensive. This kind of information is important for full timers.
Q) On average, which states offer the least expensive RV insurance rates?
A) Based on our quoting experience, California, South Dakota, Oregon and Washington
are the least expensive.
Q) Is RV insurance written out of the state that the unit is registered or garaged?
A) If you are full timing, it is based out of the state that your unit is registered. If not,
American Modern and National Interstate base it on your registration address, while
GMAC, Foremost and Progressive base it on your garaging address.
Q) On average, which states offer the least expensive RV insurance rates?
A) Based on our quoting experience, California, South Dakota, Oregon and Washington
are the least expensive.
Mexico Insurance Questions & Answers
Q) Do I need Mexico auto insurance?
A) The law in Mexico does not require you to have insurance to drive in Mexico - until you
get into an accident. Without the minimum liability coverage, you will be taken to jail
where the authorities will ascertain your innocence or guilt. It’s a major hassle that can
be avoided if you purchase Mexico Insurance.
Q) What is the difference between standard coverage and extended coverage?
A) The standard coverage is akin to basic coverage, while the extended coverage is the
same as a broadened policy in the U.S. The extended option covers vandalism, partial
theft and increased repair rates and increased medical and liability.
Q) What is the average cost difference in the hourly repair rates in Mexico and the U.S.?
A) In Mexico a Car is $38.00 per hour and a RV is $50.00 per hour. In the U.S. a Car is
$50.00 per hour and a RV is $70.00 per hour. The extended policy guarantees the
payment of average U.S. labor rates listed here.
Q) How much does Mexico Insurance cost?
A) The average cost for a liability only policy for 25 days - 6 months is $160.00. The
average cost for a full coverage policy for 25 days - 6 months is approximately one
percent of the value of your vehicle.
Q) Does my Mexico Insurance policy cover contents?
A) No it does not.
Travel Insurance Questions & Answers
Q) Why do I need Medical Insurance when I travel abroad?
A) To our understanding Medicare and many other Health Insurance companies will not
cover claims while out of the country. Vista Group’s Travel Protection Coverage will
cover you in case of a medical emergency so you will be able to travel well protected.
Q) If I have to cancel my vacation due to a pre-existing health condition, will my Travel
Insurance policy reimburse me for unused portions of my trip?
A) Yes, as long as you have purchased your Travel Insurance within 14 days of booking
your trip.
Q) What does travel insurance cover?
A) You are covered if an event came up that required you to cancel your vacation due to an
unforeseen circumstance. Examples such as; illness, death in the family, traffic accident,
terrorist attack, etc., you will be reimbursed for unused and non-refundable portions of
your vacation.
Q) When should I purchase my Travel Insurance?
A) When you make your initial deposit is the ideal time. However, if you need time to think
about it, make sure your purchase within 14 days of making your initial deposit. Your
investment is protected from the moment the policy is issued and your pre-existing
health condition will be waived if it leads to a cancellation.
Q) Should I purchase Travel Insurance to cover the entire cost of my vacation?
A) Absolutely, this is important if you want to ensure proper coverage after you pay the final
balance of your vacation.