Owning an RV, ATV, four-wheeler, or snowmobile is like a ticket to exploring the beauty and excitement of our great state and nation in all kinds of ways. Whether you're traveling cross-country or getting away for long weekends, recreational vehicles give you the opportunity for adventure. Making sure that your recreational vehicles are adequately insured is important for protecting your investment and enjoying these adventures worry-free.
Why Insure Your Recreational Vehicles?
There are a number of reasons why you should not skip insuring your RV or ATV. Let’s go through them.
Protection Against Accidents
As with your car or any other type of vehicle, accidents can happen any time. In fact, the recreational use of RVs, ATVs, or snowmobiles make them more risky than regular driving in many cases. Insurance provides financial protection against damages to your vehicle investment as well as any potential injuries to you or others involved in your adventures.
Coverage for Theft and Vandalism
Your recreational vehicles are valuable assets and can be attractive targets for theft and vandalism. Comprehensive insurance coverage ensures that you're protected against loss or damage and gives you peace of mind that you won't face a significant financial loss if someone targets your vehicle.
Liability Protection
Accidents involving recreational vehicles can result in damage to other people's property or injuries to others. Liability coverage protects you from the financial burden of legal fees, medical expenses, and property damage claims. This coverage is essential, especially if you're using your vehicle in areas with other people or vehicles.
Natural Disaster and Weather Damage
Mother Nature can be unpredictable, especially in Michigan, and vehicles like RV, ATV, or four-wheelers are often exposed to the elements. Insurance coverage can protect them from damage caused by natural disasters such as floods, blizzards, and hailstorms.
Unforeseen Breakdown and Towing Costs
Because recreational vehicles are often used to explore places off the beaten path, if they break down during use, it can be an inconvenience and unexpected expense for you to get them towed to a repair facility. Insurance policies can include roadside assistance and towing coverage which would help you get your vehicle back to safety without incurring large out-of-pocket expenses.
Recreational Vehicle Coverage to Consider
Liability Insurance
This coverage protects you against legal claims resulting from accidents that cause injury to others or damage to their property. It is required by law in Michigan and you need it to safeguard your financial well-being.
Collision Coverage
Collision insurance covers the cost of repairing or replacing your vehicle if it's damaged in an accident, regardless of who is at fault, and helps to protect the investment you have in your recreational vehicles.
Comprehensive Coverage
Comprehensive insurance covers damage to your vehicle caused by non-collision events such as theft, vandalism, natural disasters, and weather-related incidents. It's an important component of a well-rounded insurance policy.
Uninsured/Underinsured Motorist Coverage
If you're involved in an accident with a driver who doesn't have insurance or whose insurance coverage is insufficient to cover the damages, this coverage protects you. It ensures that you're not left with significant expenses through no fault of your own.
Medical Payments Coverage
Medical payments coverage helps cover medical expenses for you and your passengers if you're injured in an accident. This coverage is especially important for ATVs, four-wheelers, and snowmobiles, where the risk of injury to yourself or others is higher.
Roadside Assistance and Towing Coverage
This coverage provides assistance in the event of a breakdown, including towing, tire changes, fuel delivery, and more. If you don’t want to be stranded without help, look into adding this type of coverage.
Insuring your recreational vehicles is not just a smart financial decision; it's a necessity. With the right insurance coverage, you can protect yourself, your passengers, and your vehicles from the unexpected. Whether you're hitting the open road in your RV, conquering rugged trails on your ATV, or enjoying a leisurely ride on your four-wheeler, having comprehensive insurance provides the peace of mind you need to fully enjoy your adventures.
Talk to Navisure Insurance Group today about the best coverage options for your recreational vehicles. We want to make sure your travels are safe and rewarding!
COREY VANDERMEER | PRESIDENT
Corey started his insurance career in the claims department for a national carrier and learned the basics of insurance coverage and how it’s applied. From there he decided to take the jump into sales and joined an independent insurance agency. Here he learned how to build coverage around the needs of each individual and cater to every client. When Corey decided to start an insurance agency he did so with the intention of simplifying the process of getting insured. With a focus on technology and simplicity; his goal was to create an insurance agency that was different from those currently dominating the market place.
When he’s not working, Corey enjoys golfing, fly fishing and spending time with his wife and kids. Together they enjoy traveling to Northern Michigan and to his wife’s hometown of San Francisco.