Recreational Vehicles

Recreational vehicles can include Motorcycles, ATV’s, Snowmobiles, Watercraft, Travel Trailers and Golf Carts. While some carriers will insure these on your personal auto policy, it is often in your best interest to insure them on a specialized policy that provides dedicated coverage for that type of vehicle that cannot be found on a typical auto policy.

Coverage typically includes:

Bodily Injury Liability:  Covers injury you may cause others including coverage for medical expenses, lost wages, pain, and suffering, etc.

Property Damage Liability:  This pays for damage you cause to the property of others such as a crushed fender, broken glass, or a damaged wall or fence.

Medical Payments Liability:  Coverage pays for medical or funeral expenses for you or others injured or killed in an accident while riding or driving your vehicle up to the limits chosen.  Typically, medical payments usually cover expenses not covered by health insurance, such as co-pays or deductibles. It also provides coverage to you or your family if you are struck by another vehicle while walking.

Uninsured Motorist Coverage:  This coverage applies to bodily injury you, your family, or other occupants of your vehicle that are incurred when hit by an uninsured motorist or a hit and run driver.

Underinsured Motorist Coverage:  This increases the bodily injury protection to you and the people in your car up to the amount of coverage you purchase if the at-fault party’s bodily injury insurance limits are lower than your Underinsured Motorist Coverage limits.

Comprehensive coverage:  Pays for damage to your auto for fire, vandalism, water, hail, glass breakage, wind, falling objects, civil commotion, or hitting an animal. A deductible typically applies.

Collision Coverage:  Pays for damage to your car if you collide into an object, including another car, a hit-and-run driver, or if it overturns. A deductible typically applies.

Special Parts and Accessories:  Typically includes some coverage at no extra charge. Items include customized parts not provided by the manufacturer or helmet and riding apparel.

Emergency Roadside Assistance/Towing coverage:  Towing of a covered cycle if it is disabled. Some policies will pay for limited labor costs when necessary due to a covered emergency.  Assistance could include battery jump-start, flat tire change, emergency fuel and fluid delivery, and locksmith services.

Additional Optional Coverages may include:

  • Carried Contents Coverage
  • Enhanced Injury Protection
  • Transport Trailer Coverage
  • Trip Interruption
  • Rental Coverage
  • Total Loss or Agreed Value Coverage
  • Coverage for Fishing Equipment
  • Wreckage Removal
  • Fuel Spill Liability
  • Water Sports Coverage