Will Recreation Insurance Cover a Car Accident?

Recreational vehicles provide a fun and engaging experience that you can’t get with any other vehicle. But what if your RV gets damaged in a car accident? Are you protected? Let us at All-Star Insurance Brokers Inc walk Aurora, CO residents through this troubling and potentially costly financial situation.

What Is Recreational Insurance?

Recreational insurance is a type of insurance policy that helps to cover vehicles used mostly for recreational purposes. For example, four-wheelers, some types of RV, motorhomes, campers, fifth-wheels, and much more are all covered by this type of unique policy. 

Typically, coverage falls into both liability and property protection. Liability covers you if your vehicle causes any injury or if someone is hurt while in your vehicle. It can also help to protect against property damage. But does this policy type extend to car accidents? 

Does It Cover Accidents? Yes 

When you’re driving your recreational vehicle (such as if you’re moving a motorhome or camper) and you get into a car accident, you should be covered. Your vehicle’s policy covers any damage under its protection caused by the vehicle’s use, whether as a vehicle or as a home. 

For instance, if someone rear-ends your camper while you’re driving it to a camping spot, your recreational insurance will cover the damage. If you are hauling your vehicle, your recreational insurance policy may help you, though some auto insurance policies may also cover you. 

Find a Policy That Works for You

If you think that you need a high-quality recreational insurance policy, it is smart to contact us at All-Star Insurance Brokers Inc right away to learn more. Our team will work with Aurora, CO residents to find the best policy type and will work hard to ensure that you are covered.