Motorcycle/Motorhome/RV/ ATV/Trailer/Segway Insurance
From D.O.K. Insurance Agency
We write insurance for any personal vehicles in Arizona, California, Colorado, Idaho, North Dakota, Oregon, Washington and Texas and we represent a number of different insurance companies in each state.
Because these types of vehicles aren’t used as often, there is no law forcing you to carry insurance, or the value of some vehicles are relatively low, insuring them can be an afterthought.
Even though insuring your personal leisure type vehicles is fairly simple and inexpensive, we constantly see mistakes that are made by either agents or consumers.
IMPORTANT THINGS TO CONSIDER WHEN INSURING RECREATIONAL VEHICLES
Not Insuring Your Motorcycle Or Similar Vehicles
While it is true that motorcycles, ATVs, Snowmobiles, and similar vehicles usually cannot do a lot of damage to others, there are plenty of reasons to carry insurance. Ask yourself if the following could be a concern:
- If I have a passenger that gets injured in an accident, can my insurance protect me and my passenger?
- Is it worth it to insure the vehicle against theft and physical damage?
- If I get injured, am I well covered through my health insurance? Click here to help you decide. (link to FAQ-PIP)
- What are the risks of letting someone else ride my vehicles?
Don’t Leave Out Uninsured Motorist:
You just received a quote for your used motorcycle that cost you $2,000. You decide to self-insure the damage to the motorcycle hence leaving off comprehensive and collision coverage. You see a premium of $60 for liability for the year and are shocked to see an insured motorist premium of $240. Five dollars per month sounds a lot better and you don’t think it’s worth spending an extra $15 per month to insure the damages to your motorcycle. What a lot of motorcyclists don’t realize is that their biggest risk is falling victim to a phantom driver, meaning that someone, for example, changed into their lane without seeing them and to avoid an accident, the motorcyclists swerves out of the way and loses control of the bike and ends up sustaining life-threatening injuries. There is a reason why insurance companies charge so much for uninsured motorist coverage.
According to the U.S. National Highway Traffic Safety Administration (NHTSA), in 2006, 13.10 cars out of 100,000 ended up in fatal crashes. The rate for motorcycles is 72.34 per 100,000 registered motorcycles… Per vehicle mile traveled, motorcyclists’ risk of a fatal crash is 35 times greater than a passenger car.
Don’t Forget About Custom Parts:
A lot of recreational vehicles, especially motorcycles, have custom parts added by dealerships and other third parties. Your standard insurance policy may only cover a small amount or nothing at all for customization unless you specifically add it.
Only Looking At Your Current Insurance Provider For Insuring All Your Vehicles::
It is true, combining your auto and home insurance policies usually provides great discounts on both ends. However, that is often not the case when looking to insure your motorcycle, RV, ATV or other recreational vehicle. There are certain companies that a simply a better fit for your powersport vehicle compared to your current auto insurance company.
When we review your insurance policies, you can expect us to look beyond the common auto and home combo to make sure all your insurance needs are taken care of the best way possible.