Recreational Vehicle Insurance
Recreational vehicle coverage is the same coverage you would carry on your automobile. You would never think about driving your car without auto insurance protection, so why risk it when you're driving a recreational vehicle? Protection is needed for those unexpected bumps in the road or on water. Your path of travel could be on any of the following types of recreational vehicles:
- ATV - All terrain vehicle
- Boat
- Dirtbike
- Camper trailer
- Fifth wheel camper trailer
- Golf Cart
- Motor home or recreational vehicle
- Motorcycle
- Pontoon
- Scooter
- Segway
- Snowmobile
For your recreational vehicle you should be sure to carry these coverages for protection.
- Bodily Injury and Property Damage Liability coverages - These coverages protect you and your family in case you are found legally responsible for bodily injury or property damage claims to others.
- Medical payments - Can provide coverage for injuries that you, members of your family, or your passengers receive in an accident. Coverage includes medical, surgical, dental, ambulance, and hospital expenses incurred.
- Personal Injury Protection coverage - Provides coverage if you, or members of your family, are injured in an accident. Coverage includes medical, surgical, dental, ambulance, and hospital expenses incurred, along with payments for loss of income and essential services that need to continue.
- Comprehensive and Collision coverages - These coverages protect you against damage caused by collision, explosion, fire, theft, vandalism, etc.
- Uninsured Motorists coverage - Unfortunately, some drivers do not carry insurance. If you are involved in an accident with an uninsured driver and you are unable to collect what is owed for the damages done to you.
- Towing and Labor costs - If there is a breakdown while traveling, towing and labor costs may be covered.
- Legal defense costs - You should have your insurance professional check your policy contract for the details regarding legal defense costs.
Special Note: This summary outlines in general terms the coverages afforded under some policies. Examine the policy carefully for any exclusions, limitations, or any other terms or conditions that may specifically affect coverage. The terms and conditions of the policy prevail.