Recreational insurance is the insurance that you purchase for your recreational vehicle. This insurance is a little difficult to understand because some types of homeowners’ insurance coverage have provisions for recreational vehicles. Also, some auto insurance policies have coverage for recreational vehicles. This is because RVs combine the features of a home with the features of a vehicle.
Here are the five major types of recreational insurance coverage.
- Personal Injury Protection
- Comprehensive Damages
- Property Damage
- Bodily Injury Liability
- Uninsured Motorist Coverage
- Umbrella Insurance
Personal Injury Protection
As its name implies, this recreational insurance coverage compensates you for the injury you sustain in an accident that has been established to have been caused by you. This policy refunds your medical bills.
In case your RV gets vandalized, stolen, or burnt, this coverage will either fix it for you, or replace it completely. This coverage is not mandatory but it is necessary because an RV is a huge investment, it should be protected.
This coverage will fix the third party’s property if you damage it with your recreational vehicle. You could mistakenly run into a vehicle (stationary or in motion), or you could miscalculate and run your RV into someone’s fence. Also, it is possible for a guest in your motor-home to fall and get his phone damaged. This coverage will fix the damaged property in all the situations.
Bodily Injury Liability
If you cause an accident while driving your recreational vehicle or you mistakenly run into another vehicle, and people get injured as a result of your negligence or mistake, this coverage will pay their medical bills.
Uninsured Motorist Coverage
It is possible for an uninsured driver to hit your recreational camper. This coverage will fix your vehicle.
Every type of insurance coverage has a financial limit. If your coverage reaches its limit and still does not cover the full payment, umbrella insurance coverage will pay the rest.
For more information, call Epic Insurance in Lees Summit MO.