Not only is this the law, but its the most commonly asked about insurance in the States. This coverage pays for bodily injury and property damage that you may cause to others in the event of an accident; you and your vehicle are not protected by liability coverage. Depending on the laws of the state you live in and the company you choose to insure with, guest passenger liability may be a viable option for you as well. This liability option protects your passenger in the event of an accident. RV America is the place to come if you’re interested in liability insurance for your vehicle.