Why Recreational Vehicles Need Insurance Coverage - seophilly's ...

Have you ever wondered whether recreational vehicles need insurance coverage? They do. A number of recreational vehicles (RVs) function as both home and vehicle to some. Therefore, if you take your home with you on the road, you need to get your RV insured. Now, if you are wondering whether the smaller RVs need insurance too, let us discuss the matter. ?

For smaller recreational vehicles like all-terrain vehicles, snow mobiles, fifth wheel motor homes, personal watercraft and boats, insurance coverage should also be obtained. Why? Accidents happen anytime and anywhere. This means you have to protect your property through specialty insurance coverage, apart from your home insurance. In fact, even golf carts should have insurance. There are a few communities that rely on golf carts to go from place to place. ?

So, what are the reasons why recreational vehicles should have insurance coverage?

? Your valuable things on the RV ? TV, laptop, camcorder, and other things ? could get lost or damaged. You cannot get paid for them if you only have a regular auto or home insurance as these are not on your ?residence premises?.?

? You can be held responsible for the injury sustained by a person or for the damage to property if your parked recreational vehicle causes the accident that leads to the injury or damage to property.

? Your RV could get damaged on the road. ?

What are the coverage options included in RV insurance policies?

? Physical Injury and Property Damage liability covers injury of a person or damage to property. If you are responsible for the accident, the insurance can pay for repairs, medical bills, and lost wages of the injured party.

? Uninsured or underinsured motorist covers medical bills of the injured party whose insurance does not cover the injury or who does not have any insurance at all.?

? Medical and other Health Miscellaneous Payments covers injury or damage of the passengers inside the vehicle.

? Roadside Assistance covers the cost of towing the damaged RV to a repair shop and also covers payment for labor.

You have to know that most low cost auto insurance for Philadelphia residents does not cover enough of the many RV incidents. ?This is why you have to find the best insurance brokerage in the Delaware Valley to help you decide what to include in the insurance policy for your fifth wheel or off-road vehicles. ?Ask the auto insurance specialist in Philadelphia to tell you what is included in the coverage. Lastly, you must know that not all insurance brokers in Bucks County are the same. Thus, be sure to find the best one. ?

Source: http://seophilly.posterous.com/why-recreational-vehicles-need-insurance-cove

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