Any vehicle that is driven on public roadways must be covered by insurance. Without insurance coverage an RV owner is not only taking a big risk by breaking the law but also putting themselves and their family at risk, should an accident occur. It is critical RV owners meet with the RV Insurance Agent in Monroe MI so they can be sure they get the coverage they need.
What Should RV Owners Look For?
It is imperative an RV owner understands the types of coverage that are available in a standard insurance policy. Meeting with the RV Insurance Agent in Monroe MI will allow a person to gain a full understanding of what types of coverage are available to them. The following are some of the most common types of coverage in a standard policy.
* Bodily injury and property damage liability are a must with any vehicle that is driven on the open road. This type of coverage must meet the demands of the state one resides in. In the state of Michigan, drivers must have at least $20,000 for bodily injury with up to $40,000 per accident and up to $10,000 for property damage. Failure to have this coverage could result in major penalties.
* Limited property damage coverage covers certain types of damage that may result in an accident. An RV owner can also choose to purchase comprehensive coverage which covers their RV against hail damage, theft, and fire.
* A standard RV policy will also cover uninsured motorist coverage. This coverage is vital in the case of accidents caused by drivers who do not carry the mandatory insurance coverage the state requires.
* Collision coverage is optional and covers the damage caused to an RV if the RV driver is responsible for the accident. Typically, RV drivers want as much protection as they can afford so they opt for all of these coverage areas.
Learn More Today
If you want to be sure your RV is fully protected, Visit Insurance Center Of Monroe. They will be happy to help you with each step in the process to make sure the right level of coverage is purchased.