Life is more fun in the mud and dirt; at least, that is what you might say if you own an all-terrain vehicle. ATVs are used for sport, work, and recreation, and many households own more than one. As fun and efficient as they can be, ATVs, UTVs, snowmobiles, and other outdoor recreational vehicles can also pose a very real risk of damage and liability. Here at Insurance Innovations, Inc, we can add coverage for these special vehicles to your insurance portfolio, broadening the protection you have against accidents and other unexpected events.
Our ATV policies can include coverage for:
Off-road vehicles can be very expensive to repair and replace after an accident. Collision and comprehensive coverage helps pay for damages if your ATV is damaged, destroyed, or even stolen.
If you and a passenger become injured in an ATV rollover, collision, or other accident, medical payments coverage helps assure that you have quick access to the care you need, regardless of whose fault the accident was.
Riding an ATV is not only risky for you, but also for those around you. If you lose control of your vehicle and hit a fence, property damage insurance can help replace it. If you accidentally injure another rider, bodily injury liability can help cover the medical bills.
Just because you are insured does not mean everyone else is. If you are injured in an ATV accident caused by an uninsured or underinsured individual, your insurance can help fill in the gaps where the at-fault driver comes up short.
All of the upgrades, accessories, and special equipment you added to your ATV probably cost a lot of money. Since special equipment is often excluded from physical damages coverage, talk to an independent agent at our agency about adding an endorsement for your upgrades.
This endorsement assures that your ATV will be repaired with original equipment manufacturer parts (not after-market parts) whenever available after a covered loss.
RV and Trailer Insurance
The “RV life” combines the best of two worlds – your home and transportation need all in one. Whether you take your camper to the lake for weekends during the summer or live in your RV several weeks out of the year, there are risks that come with ownership and use.
We cover a wide range of recreational vehicles, including:
- Motorized RVs
- Travel trailers
- Fifth-wheel campers
- Pop-up campers
- And more
An RV insurance policy might include coverage for:
RVs and pull-behind campers can pose a higher risk of accidents and injuries on the road. If you are responsible for an accident that results in another person’s property damage or injury, you could be sued for the loss. Your liability can help cover the cost, including any legal fees you may incur up to the limits in your policy.
You can be held responsible for injuries occurring in and around your RV or camper while parked at a campsite. Vacation liability helps cover victim medical bills and property damage replacement if a claim is made against you.
If you or one of your passengers is injured in an RV accident, medical payments coverage helps ensure you have quick access to medical care you need regardless of fault.
recreational vehicles can cost tens of thousands of dollars. Collision and comprehensive coverage help pay for repair or replacement if your rig is damaged, destroyed, or stolen due to a covered event.
Personal Belongings Coverage
RVs and campers are unique in that they may contain many valuables when you are on the road or parked at a campsite. If someone breaks in and steals your belongings or a fire ravages your rig, this coverage helps replace the personal items lost.
If you spend a lot of time in your camper or RV, you may have upgraded it with attached accessories, such as an awning or antenna. Coverage for these add-ons is available by simply asking an agent.
Know that you can access roadside assistance 24-hours a day no matter how far you are from home.
An accident in your RV could leave you with no place to lay your head. Trip interruption protection provides emergency expense coverage for lodging and transportation when your trip is interrupted more than 100 miles from home.
For more information about ATV, RV, and trailer insurance, contact the team here at Insurance Innovations, Inc today. We look forward to serving you soon.