Recreational vehicle insurance in Negaunee, MI, is designed to provide protection for your recreational vehicles. They usually can’t be added to an auto policy, but recreational vehicle insurance can work in a similar manner.
Bodily Injury
Recreational vehicle policies may not automatically include bodily injury coverage like auto policies. It’s important to ask your agent at U.P. Insurance Agency Inc. whether bodily injury is included in every policy. If it isn’t, you can opt for bodily injury coverage or MedPay, which can help cover medical expenses.
General Liability Coverage
General liability coverage usually covers bodily injury. It provides the same liability coverage that most auto policies do: property damage for the other person if you’re at fault and bodily injury for the other person if they are injured in an accident. However, this doesn’t cover property damage to your vehicle or bodily injury coverage for you or your passengers.
It’s essential to ensure you have bodily injury coverage for yourself and passengers. Passengers who are in an accident can sue the person who’s at fault. This is common if they don’t have medical insurance to pay for the medical bills. You may be able to get additional bodily injury coverage alongside your liability coverage to ensure your injuries and those of your passengers are covered.
Full Coverage
Full coverage is usually recommended. It covers medical bills and property damage, no matter who’s at fault, including damage to your property. Many policies include coverage for theft and damage from natural disasters.
At U.P. Insurance Agency Inc., we understand the importance of making sure you’re covered so you can enjoy your recreational vehicle worry-free. Our agents will discuss your needs with you to make sure you have what you need. Contact us. We’re currently serving the Negaunee, MI, area.
