If you own a Recreational vehicle, motorcycle or other toys, insurance coverage should be part of your thinking. Remember, they are not automatically covered under your current insurance program. State law requires you to maintain liability coverage on your vehicle. Here is a schedule of insurance coverage you might consider:
Liability coverage, also known as “property damage/bodily injury”, can help cover expenses from damaging a vehicle or injuring a person in an accident.
Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.
Comprehensive insurance helps pay for damage to your vehicle not caused by a collision. Examples include damage or loss due to theft, vandalism, falling objects, fire, storms, and flood.
Uninsured or underinsured coverage
This coverage helps pay for repairs if your RV is damaged in an accident by an underinsured, uninsured, or unidentified driver. It also helps pay medical costs.
Medical payments coverage
Medical payments coverage helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.
Rental reimbursement coverage
This coverage helps pay for your rental car or other transportation if your RV cannot be driven due to an at-fault accident or comprehensive claim. This is really important especially if you are out of town.
Towing and labor coverage
Towing and labor coverage reimburses you for towing charges if an insured vehicle is disabled. It also covers on-site assistance, such as battery jump-start, tire change, and locksmith services. We recommend this on all recreation vehicles.