The Critical Importance of Insuring Your Recreational Vehicles (RV)

You’ve been preparing to go on these adventures your whole life. You’ve always wanted to brave the arctic temperatures of the wilderness on your snowmobile, and you’ve always wanted to explore the wilds of the desert on your ATV. You may even have dreamt of taking your boat out to sea to see what the wide horizon has to offer you. It would be a shame if your insurance prevented you from doing that.

You probably already knew that you needed insurance for your car and your motorcycle, but did you know that you need insurance for all kinds of recreational vehicles too? You may be required by law to insure all of your vehicles, and could face a fine if you don’t.

Vehicles You Have to Insure

Ask your provider about insurance if you own any of the following:

  • ATVs
  • Antique cars
  • Boats/watercraft
  • Motorhomes/campers/vacation trailers
  • Snowmobiles

We know that you intend to be careful whenever you operate any of these vehicles, but accidents do happen, and that’s why you need insurance.

The Reason You Have to Insure Them

You insure your car so that if someone crashes into you, you have a financial safety net that can help you repair your car and (if necessary) pay for medical bills. That safety net also covers you to some degree if you crash into someone else. Motorcycle insurance works the same way. Doesn’t it make sense that other vehicles should work the same way?

If you own a recreational vehicle, you should definitely discuss coverage options with your broker. You’re having a lot of fun out there, so you’re probably not looking quite as hard for potential dangers. Insurance is there to protect you, your loved ones, and your assets in the event of an accident.

However, even if you do have insurance, you shouldn’t use it as an excuse to take risks. Be careful during your activities, and follow all of the rules. Your adventure will be a lot less fun if an accident happens.

It’s Important: Get Insurance Now!

If you’re about to plan a day trip or whole vacation around your recreational vehicles, make sure you have insurance! You’re allowed to enjoy yourself and have fun, but if you want to avoid fines and stay protected during your adventures, you’ll need a safety net. Call Drayden Insurance to learn more today!

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