Recreation vehicles are a great way to get outdoors and spend time with friends and family. To make the most of your rec vehicles, you need solid rec insurance in place. At All Nevada Insurance Inc, serving Las Vegas, NV, and the surrounding areas, we can help you better understand this type of coverage. Keep reading to learn more.
What Is Rec Insurance?
Rec insurance or recreational insurance is a type of insurance policy designed to provide insurance coverage for recreational vehicles. In most cases, recreational vehicles will be defined as RVs, campers, boats, jet skis, ATVs, snowmobiles, dirtbikes, and others.
Do I Need Rec Insurance?
Some places will allow you to operate rec vehicles without insurance coverage. However, just because it is not required by law does not mean you don’t need this vital type of coverage. You have invested in your rec vehicles. If they are damaged or lost due to fire, natural disaster, or burglary, it will be your responsibility to pay for repairs or replacement.
If someone is injured by your rec vehicles, you will be held liable for their medical expenses and any legal fees that might result if they choose to file legal action against you. This could leave you financially vulnerable.
What Does Rec Insurance Cover?
In most cases, rec insurance will provide coverage in the following categories:
- Collision– If your vehicle is damaged, it will pay for repairs.
- Comprehensive– If your car causes damage to someone else’s property, it will pay for repairs.
- Liability– If someone is injured because of your vehicle, it will pay for any expenses resulting from the event.
If you would like to learn more about rec insurance or any of our other products, please contact us at All Nevada Insurance Inc, serving Las Vegas, NV, and the surrounding areas.