What Happens if My RV Is Severely Damaged?

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.

Can I ride my ATV on public land without insurance?

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.

Will my homeowners insurance cover my home-based business?

Running a business from home in El Paso, TX may seem like a great way to save money and still manage your costs, but it can have a negative impact on your homeowners insurance policy. In many cases, a home-based business is not covered by your home’s insurance policy because the possible risks, liability issues and problems that may arise from running a business at home can differ from the normal risks associated with homeownership.

Business Coverage

As a business owner, you should always purchase an appropriate business insurance policy that is based on the type of company you are running. A home-based business can have a variety of potential risks, including the loss of client data or the possible injuries that may arise when a customer visits your home.

Never assume that your homeowner’s policy will pay for the damages or injuries that occur in relation to your company.

Negative Impact on your Policy

Due to the possible risks associated with running a company, the impact on your home insurance may be greater than you expected. Some insurers may write in new clauses and exceptions that relate to your business, such as reducing your liability coverage or refusing to pay for any injuries or liability issues that arise in relation to your business.

Even if your insurer will still cover your property, it is possible that you may be asked to add new coverage to the plan or you may be asked to increase the amount of coverage you currently maintain.

A homeowners insurance policy will not usually pay for any problems associated with your company because it is not a normal risk. Contact us to speak to an agent to learn more about protecting your home and your home-based company.

What are the best ways to get rental auto insurance when I do not own a car?

When you do not own a car, the options that are available for a rental vehicle in El Paso, TX may be limited. You are required to carry some insurance coverage for any car that you are driving, so you will need rental auto insurance to protect the vehicle and ensure that you are complying with state laws. Depending on the duration of your visit, the best policy for your needs can vary.

Purchase the Policy from the Rental Company

A rental car company often offers coverage for any vehicle that you are renting. If you do not have coverage available to apply to the vehicle, then the company may require that you purchase a plan based on the number of days that you are renting the vehicle.

In most cases, the rental auto insurance from the company will be available on a per-day basis. Depending on the number of days that you are renting the car, the amount that you will pay for coverage may vary.

Purchase the Policy Before Renting

If you do not want to work with the rental car company to purchase a policy, then you can purchase a plan from an insurer of your choice. Make sure you set up the policy before you rent the car so that you can then apply it to the vehicle that the company provides.

Buying a policy for a rental vehicle beforehand can give you more flexibility to find the plan that is appropriate for your goals and concerns.

Rental cars require insurance to protect the company’s vehicle and ensure that you are complying with any state laws. Contact us to speak to an agent to learn more about the insurance options that are available.