Recreational Insurance covers your off-road vehicles such as campers or ATVs. It can be a bit confusing to understand what is covered and what is not covered. To make matters more confusing, some off-road vehicles can also be covered under auto insurance or even homeowner's insurance. If the vehicle is not used on highways, a homeowner’s insurance policy can be used to provide coverage. Depending on the coverage, a recreational insurance policy can be used to pay for any damage to the off-road vehicle in collision, theft or vandalism. A typical recreational coverage policy covers bodily injury, medical payments, property damage, and underinsurance or uninsured liability coverage.
As recreational vehicles are not used as commonly as regular vehicles, the repair, and spare parts can be difficult to find and very expensive. You do want an insurance policy that will cover these in case of damage. Also, driving an off-road vehicle is more dangerous than a regular vehicle, with a higher probability to damage yourself, others or property. Even if you use your recreational vehicle occasionally, accidents can happen anytime and to anyone. It just isn’t worth the risk of not having insurance. One small mistake can make a huge dent in your wallet if you are not covered. Keep in mind that you don’t only need insurance for the collision but other incidents such a falling tree, storm or rain can also damage your vehicle.
You should not just limit yourself to minimum requirements for a recreational vehicle in the state of Connecticut. Your entire insurance policy should be based on your needs, preferences, and goals. It is highly recommended that you contact a local insurance agency that knows all the rules and regulations of the state of Connecticut for recreational insurance. One such agency is White Oak Insurance LLC serving Milford, CT. The insurance agents will educate you to make an informed decision and point you to the most suitable insurance policy for your needs. You can find the Milford, CT phone number and address on the website of White Oak Insurance LLC.