Recreational Vehicle Insurance
Recreational Vehicle Insurance Information
Recreational Vehicles Were Designed for Fun....
But driving these vehicles in the mountains around Colorado means potentially encountering uneven road conditions without lanes to help guide traffic. Also it's common for vehicle owners to let other inexperienced or even under aged drivers take the wheel which greatly increases the chances of an accident. Make sure your recreational vehicle insurance policy carries the coverage listed below:
Liability Insurance for Recreational Vehicles
Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others or to the driver and passenger.. In order to help pay for any damage you inadvertently inflict on others, you should carry liability insurance. This policy type can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.
Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.
Some recreational vehicles can be quite expensive to repair or replace.
Just like an auto policy Comprehensive Coverage will pay to repair or replace the vehicle if it's stolen or vandalized. Many times these vehicles are parked away from home and/or left overnight at campground parking lots that aren't very secure. RV thefts have skyrocketed over the years so make sure to carry Comprehensive Coverage to replace the vehicle (and it's trailer) if it's stolen.
If you crash the RV and have damaged it, you will need to have Collision Coverage to have it repaired or replaced. Most policies will carry a deductible which is the portion the insured pays, before the insurance carrier pays out.
Driver/Passenger Injury Coverage
- If you and/or your passengers incur minor injuries while riding on an RV, you will need to have Medical Payments on the policy to help with medical bills. The injured parties will also need to access their own personal health insurance policies if their injuries are severe.
Notes: About insuring Recreational Vehicles
- BEWARE...some policies will not provide medical payments nor liability if you are the insured owner and allow unlicensed or underage drivers to drive your recreational vehicle!
- If you 'live in' your RV , you might need to add extended protection. Most carriers see this as a higher risk and will want to collect extra premium for this exposure. Make sure to tell your agent and they can find the right policy for you.
- Specialized or Customized Equipment attached to your RV will need to added to your policy. Items such as solar panels, satellite dishes, saddle bags etc. may need to added to the policy.
Colorado has wonderful places to play and explore in or on your RV's . Give Us a Call. One our licensed agents will assist you.