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Just like standard cars, most states require insurance for operating other specialty vehicles. These insurance policies are different from auto insurance policies. If you own a watercraft, ATV, RV, or motorcycle, then you’ll need some type of specialty auto coverage.
Whether you enjoy your weekends riding around on your motorcycle or camping in an RV, owning a specialty vehicle provides the freedom and exploration you deserve. But with this freedom comes the responsibility of protecting your investment. Allied Insurance Managers can help you find the coverage you need on the open road.
Just like car insurance, liability coverage is the foundation of your specialty auto insurance policy. It covers the costs if you’re at fault in an accident, including damages to other vehicles and property (property damage liability) and medical bills if anyone is injured (bodily injury liability).
Comprehensive coverage protects your high-value vehicle from damages that aren’t caused by collisions, such as vandalism, fire, flooding, and theft. So, if a hailstorm damages your RV’s roof or a thief steals your motorcycle, comprehensive coverage will help you repair or replace your vehicle.
Even the safest drivers can find themselves in an accident. If your vehicle is damaged in an accident, regardless of fault, collision coverage will cover the cost to repair or replace it. Collision coverage will even cover repair and replacement costs in the event you hit a tree or guardrail.
RVs, boats, and other specialty vehicles can have multiple passengers, which means medical bills can become very costly in the event of an accident. PIP coverage can help you cover hospital bills, surgeries, rehabilitation, and other medical expenses, regardless of who is at fault.
Unfortunately, not all drivers carry the proper insurance, so it’s critical to prepare for the unexpected. If you find yourself in an accident with an uninsured or underinsured driver, this coverage will cover costs related to medical bills and repairs.
Full-timer’s coverage will protect your vehicle as a primary residence if you live in your RV full-time. It’s similar to homeowners insurance, as it covers your personal belongings inside the RV and offers liability protection should someone become injured on your property.
If your RV, motorcycle, or other specialty vehicle breaks down, roadside assistance coverage can save you from the hassle of finding (and paying for) local help while stranded. Roadside coverage includes towing, battery, jump-starts, tire changes, and lockout assistance.
If someone is injured while on your RV while you’re parked, such as at a campsite, vacation liability coverage can help cover medical and legal expenses.
Specialty vehicles can come with customizations or additional equipment that aren’t part of the original vehicle, from satellite equipment and solar panels to fishing gear or custom-built interiors, these items can add significant value to your vehicle. Standard specialty auto insurance typically only covers the basic vehicle, so custom parts and equipment coverage will protect any aftermarket modifications or personal items in the event of theft, damage, or loss.
Your specialty vehicle is a high-value investment, so ensure it’s protected with help from Allied Insurance Managers, Michigan’s largest independent insurance agency. We also ensure competitive pricing by working with multiple carriers and give you peace of mind by being available when you need us the most.