It’s the time of year where we dust off our “toys” and get out to the desert.
Do you have liability coverage for your recreational vehicles? If you don’t have a specialty policy for them, more than likely you don’t have proper coverage!
Most Auto Insurance carriers will not let you add a motorcycle to your auto policy, let alone a recreational vehicle. Automobile Insurance defines a “covered auto” as a vehicle shown on the declarations page or a newly acquired private passenger auto or a pickup or van. A motorcycle or an off-road vehicle does not meet this definition.
What about your San Diego Homeowners Insurance policy? There is VERY LIMITED liability in the homeowner’s policy for motor vehicle liability. It is worded so that it could cover the small things that you don’t normally insure a riding lawn mower or recreational vehicle (while on the residence premises) or golf cart (while on the residence premises or golf course). It is not meant to pick up your dune buggies, ATV’s, etc. Review your actual policy for more specific wording or just contact your customer service representative for further explanation.
If you have a Personal Umbrella, that policy will not extend over the recreational vehicles unless they are specifically listed on the umbrella AND have primary coverage with minimum liability limits or either $300,000 Single Limit or $250,000 per person, $500,000 per accident, $100,000 property damage on Split Limit policies.
At HWP, we have several specialty markets that can insure these type of vehicles properly. You can even add Uninsured Motorist liability coverage to them. This way if you are out at the desert and you or a passenger were seriously hurt by someone who does not have the proper coverage, your policy can pick up those injuries, lost wages, pain and suffering, etc.
Give us a call today at our Carlsbad Insurance office 760-795-2002 or Temecula Insurance office 951-296-6833 and we can work up a personalized quote for your specific needs.