Personal and Commercial Texas Auto Insurance Specialist
Bodily Injury and Property Damage Liability: Comprehensive and Collision: Three Options to Insure Against Total Loss Optional RV Endorsements:
Have you ever noticed the driver of an recreational vehicle (RV) always seems to have a smile on their face? They look so calm and relaxed while navigating on the roads. Owning an RV is a very nice investment if you are able to afford one. Most importantly, ensuring that this investment is adequately protected is the most prudent thing to do for such a nice purchase.
Unfortunately some people who own RV's do so without the proper protection for this vehicle. They feel that their existing auto policy offers enough insurance for their RV. In addition, there are quite a few personal items that are found in an RV that are not routinely found in your automobile. For example, it wouldn't be a surprise to find a television, DVD player, or large amounts of clothing in an RV. Because of this, some RV owners feel that these personal items are covered under their homeowners policy. This is may be true but coverage is limited if the RV is kept somewhere other than the residence premises listed on the homeowners policy. Finding an agent that offers RV insurance will help ensure your RV is adequately protected.
Types of Recreational Vehicles
This provides coverage for the injuries and damages that you were found liable for under your RV policy. This protection will pay for medical expenses, properly damage, and loss of wages that incurred because of the accident.
Texas Liability Limits 25/50/25
The collision portion of this policy provides coverage to pay for damages to your RV during an accident with another vehicle or nonliving object. The insurance company will pay the cost to repair or replace your RV onces you have paid your selected deductible. Comprehensive protection pays for damages to your RV caused by events other than a collision such as: theft, flood, riot, earthquake, etc.
Additional coverage provided under this provision at no additional charge
Medical Payments - Is a no-fault coverage that pays for reasonable medical and funeral expenses of all occupants in the vehicle that was caused by the accident. Usually pays up 3 years of medical expenses.
Uninsured/Under insured Motorist Protection - pays for damage to your RV if the at-fault driver has either no liability insurance or inadequate liability coverage to pay for the damages to your RV.
Roadside Assistance - pays for towing to the closest qualified repair service facility should your RV becomes disabled.
Contact us today for additional information on recreational vehicle insurance.
