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Question

Will my auto insurance cover damage to a fifth-wheel camper, or should I use my RV insurance?

I was pulling a fifth-wheel camper with my truck and drove under an overpass. The camper was damaged, but my truck was fine. Which kind of insurance will cover the damage to the camper: auto or RV? 

Oct 16, 2025 Leakesville, MS

Answer
Author profile picture
Renata Balasco
Senior Insurance Specialist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 5 years of experience in the insurance industry

I'm so sorry to hear about your accident!  The best thing to do would be to contact your RV insurance claims department to see how they want to handle the claim. How this claim pays out will be dependent on the details of the accident. They can refer you to your auto insurance claims department if they are unable to repair any other damages due to the nature of the claim.

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