wa8yxm wrote:
I do not think it is fraud.
I think they don't want you using your rather expensive RV as a "Daily Driver" and want to be sure you have a "Daily Driver" for things like going to Church on Sunday or running to the store for a pound of hotdogs.
Yes, it's likely an effort on their part to assess how much and what type of driving you are likely to do with your RV.
Insurance is ultimately a game where they try to estimate the odds of you getting into a crash (or otherwise making a claim) and then setting the premium to cover the resulting costs plus overhead and some profit. They do this while state insurance boards regulate what they can and cannot consider.
Your average RV probably spends 80-90% of it's miles on freeways or low volume rural roads where the potential for a crash is wildly lower than driving in urban stop & go traffic. So if you are just using it as an RV, the risk is much lower than as a daily driver.
They may never realize or make an issue of it but lying on the application is certainly fraud. Would they deny a claim because of it...depends on the state insurance regulations. If it's a minor fender bender, probably not. If it's a multimillion dollar death and destruction claim, they will probably give it a try.
