Your RV has served you faithfully throughout many seasons, but it had an unfortunate situation happen where it ended up severely damaged. Whether the particular type of RV damage is covered depends on the type of insurance you have for the RV, if any.

If your RV operates under its own power, you are required to adhere to El Paso, TX’s state minimum insurance coverage. This requirement does not hold true if you have a RV that you tow behind a truck or another vehicle. In addition to the liability insurance that you hold, you may opt for comprehensive and collision coverage that handles accident damage even if you are at fault.

Insurance companies also offer RV specific insurance that applies to other uses of your RV, and the RV damage that may occur. Vacation usage policies provide an inexpensive insurance option if you only use the RV when you’re going away on vacation. Comprehensive packages that are a combination of homeowners insurance and auto insurance are available if you live in your RV on a permanent basis. This type of insurance covers property damage as well as vehicle damage, so you get the full value for your RV and all of your belongings.

Some RV damage policies also provide you with emergency assistance if you need to seek other accommodations due to the damage. It may also cover replacement for vacation supplies and your luggage so you don’t have to interrupt your vacation due to the damage. It’s important to have proper coverage for your RV instead of relying on base auto insurance, since the RV has many unique needs compared to a regular personal vehicle.

ATVs are great to take off-roading, whether you’re exploring the private roads on your own property or you’re going to designated public areas that allow ATVs. You may be confused about whether or not you’re required to hold insurance for your ATV when you’re driving on public land. A few factors affect this, such as the type of ATV you own and your location.

Some states differentiate between types of ATVs. For example, Oregon only requires ATVs that are classified as Type II to have insurance coverage. Other types of ATVs do not hold this requirement, even if the vehicles are used in public areas. In contrast, Pennsylvania requires all types of ATVs to have at least liability insurance if you are operating the vehicle on public land. Public land includes national and state parks.

In addition to ATV insurance, you also need to be a licensed driver to take your ATV on public land. This land must be marked for ATV use, and you cannot take the vehicle on paved roads that are not specifically marked as allowing ATVs. If you’re uncertain whether a particular area allows ATV, find a park ranger or another official and ask to confirm.

For states that require ATV insurance, you are required to get liability insurance. You may want to take out a more comprehensive insurance plan if you are using the ATV for heavy offroad use, or you use it as part of doing business. Since you’re putting the vehicle into uneven terrain and precarious situations when you’re offroad, it’s important to have the ATV properly protected in the event of an accident.