What is Recreational Vehicle Insurance?

Recreational vehicle insurance provides financial protection for damage or injury resulting from traffic collisions with your motorcycle, RV, dirt bike, ATV, motor home, snowmobile, golf cart, or travel trailer. Recreational vehicle insurance provides peace of mind, so you can enjoy your ride!

Common Coverages Included in Recreational Vehicle Insurance

Liability: 25/50/15

The State Minimum requirements in Colorado are 25/50/15 (we suggest having more than this). The first two numbers (25/50) of your liability limits are your bodily injury coverage. The first number represents how much the coverage will pay out per person, the second number represents how much the coverage will pay per incident, the third number represents how much the policy will pay for the other person’s property.

Uninsured/Under-insured Motorist

This coverage is possibly the most important piece of your policy. This covers you in the event you get hit by someone who doesn’t have insurance or doesn’t have enough insurance. The limits of this policy usually will match your liability limits.

Comprehensive

This covers acts of God. Say a tree branch falls on your vehicle, you have hail damage, something flies up off the road and breaks your windshield, you hit a deer, or if your vehicle is vandalized or stolen. Comprehensive coverage is essential in these situations.

Collision

This coverage is going to pay for your vehicle to be repaired if needed after an accident. This would also cover if you hit something such as a tree, pole, pothole, or even the side of your garage (it happens)!

Medical Payments

In the event you are in an accident, this coverage will provide money payable towards medical bills.

Rental Car and Travel

This coverage does not provide coverage when you rent a car. This coverage actually provides a rental car if your vehicle is being fixed because of an accident!

Towing and Labor

Towing and Labor, also known commonly as Emergency Roadside Assistance, is a service most carriers offer where they will tow your vehicle or change a flat tire if needed.