I'll throw out one more idea that I've read about but have no personal experience with.
On the RV Dreams website,on a page devoted to RV Insurance: Understanding the Coverages
https://www.rv-dreams.com/rv-insurance-coverages.htmlThey talk about something called Medical Payments insurance. They say:
Medical Payments (aka MedPay)
This is an optional coverage* which pays for the costs of medical care
for you, your family, and any passengers resulting from a covered accident. It may be used regardless of fault.
This coverage is fairly inexpensive and may be a great supplement to
your health insurance especially if you have a high deductible health
insurance policy. If you have medical costs resulting from an accident, this coverage pays quickly and may save you paying for a high out-of-pocket deductible.
It may also be worthwhile if you have no health insurance. It's
certainly not a substitute for health insurance and only kicks in if you are injured in a covered accident, but it may be worth the premium.
* - Some states require insurers to include a minimum amount of this
coverage.
