Much like an auto or motorcycle policy, ATV insurance includes a wide range of coverages, including collision, property damage, bodily injury, comprehensive (such as fire or theft), medical, and uninsured motorist.
If a motorcycle accident is your fault, you could be held responsible legally for damage or injury caused by an accident. Required by law, there are two types of motorcycle coverage you’ll need to have: Bodily Injury Liability and Property Damage Liability. These components are built-in to any motorcycle policy you purchase.
Bodily Injury Liability Coverage – This portion protects you from having to pay loss of income, medical expenses, or funeral/burial costs of other people who are injured as a result of the accident. It should be noted that bodily injury to another passenger is separately covered under Passenger Liability in some states. Additional, Bodily Liability Coverage can be applied to passengers by paying an additional premium.
Property Damage Liability Coverage – This component provides coverage for the replacement or repair of another motorist’s vehicle. It also includes coverage for another motorist’s property, including other vehicles or homes.
In many states, guests riding your motorcycle are covered under motorcycle insurance. However, this coverage is optional in some states.
OTHER MOTORCYCLE INSURANCE OPTIONS AND CONSIDERATIONS:
Uninsured/Underinsured Motorist Coverage – There are a fair number of motorists driving who may not have insurance. If one of them hits you, what you do? If you had Uninsured/Underinsured Motorist Insurance, your coverage would help pay for applicable medical expenses if you are injured by a motorist who doesn’t have insurance.
If your bike is damaged in a motorcycle accident, your motorcycle insurance can pick up the covered costs to repair and replace it. There are two primary types of motorcycle damage insurance:
Collision Coverage – While riding on your motorcycle, you collide with another vehicle or some other stationary object, such as a fence, guard rail, or parked vehicle, then collision coverage would pay for the damage to your bike. Similarly, collision coverage would pay for your motorcycle’s damage should someone else hit your parked bike causing damage. All coverage is subject to a deductible
Comprehensive Coverage – Should something other than a collision like vandalism, fire, windstorm, theft, or even striking an animal occur, comprehensive coverage would pay for damage or loss for repair or replacement of your motorcycle. All coverage is subject to a deductible.
Rental Reimbursement Coverage – While your motorcycle is being repaired as a result of an accident, rental reimbursement coverage will pay for your rental while your bike is being repaired for the number of days listed on your Policy Declarations.
Jet Ski Insurance
There’s nothing quite like the freedom of taking a personal watercraft like a jet ski onto the water for a spin. The thrill of the wind and spray in your face is unlike anything else you can experience on a watercraft. However, those thrills and that freedom have to be tempered with responsibility. That means being responsible when operating your PWC as well as making sure you have the appropriate level of personal watercraft insurance. This is necessary to protect you, your riders and your PWC in the event of accident, damage or theft. As the experts in boat insurance, we can help you by providing the precise level of jet ski insurance, personal watercraft insurance, or any other kind of PWC insurance you may require.
Adding a snowmobile to your homeowners policy may seem like the easiest way to cover it. But,that could also leave you with some gaps in your coverage -- especially when you're riding off your property. Some Snowmobile policy's offer protection on any path or open field -- even into Canada.
Optional coverage's will cover your helmets,riding gloves,and insulated jackets, almost anything that can get damaged during your ride.
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What Is RV Insurance?
Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by classes: Class A, B and C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time and other factors.
What Does RV Insurance Cover?
RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings on board, equipment and attached accessories such as awnings and satellite dishes. Depending on the insurance company you choose, your additional coverage options may include:
* Total loss replacement coverage
* Campsite and vacation coverage
* Emergency expenses
* Towing and roadside coverage
* Full-timer coverage if your RV is your full time residence
* Uninsured and underinsured motorists coverage
100 W. Big Beaver Rd. Suite 200 Troy, MI 48084 firstname.lastname@example.org
Here are some items you’ll need to consider when shopping for boat insurance.
Agreed Value Coverage
Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.
Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
Physical Damage Coverage
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.
Uninsured/Underinsured Watercraft Bodily Injury
Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
Fuel Spill Liability and Wreckage Removal
Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner, you are required by law to have this cleaned up, which can be time consuming and expensive.
Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what's required. Personal effects coverage does not include jewelry, watches or furs.
Unattached Equipment Coverage
This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.
The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
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