How different is RV Insurance from Auto Insurance?

A recreational vehicle is similar to a car in many ways, a factor that contributes to the willingness of insurance companies to issue a policy. If you plan to travel to a new destination in your recreational vehicle, it would be important to understand how RV insurance differs from regular auto insurance. Please reach out to Alliance Insurance Services for an RV insurance quote in Arvada, CO.

Full-timers insurance

The full-timers insurance under this policy will cover any loss or damages that occur when the RV is parked or when the vehicle is used as a primary residence. This kind of coverage will be similar to that offered by homeowners insurance. Full-timers insurance will also meet medical bills and emergency-treatment for any third party that sustains injuries while in or around the recreational vehicle.

Emergency expense coverage

Some RV insurance policies provide coverage for any emergency expenses incurred while the vehicle is being repaired. In order for this to happen, the losses must have occurred within a specified distance from the RV and should have occurred while the vehicle is being repaired. In case you found an alternative stable residence during the repairs, the policy will also cover meals and the related traveling expenses.

Campsite liability insurance

The liability insurance is designed for RV owners who use their vehicles as their residence. The policy will not only provide full coverage for equipment such as camping gear and portable electronics but also liability from injuries caused by the camping equipment that you keep in the vehicle. This allows you the peace of mind you need to use the RV for camping activities.

You may want to use your recreational vehicle for different activities in Arvada, CO. Before hitting the road with your RV, kindly contact Alliance Insurance Services to learn more and to purchase RV insurance that will keep you protected.

Tips for Avoiding Motorcycle Accidents

Most motorcyclists in the Arvada ,CO area know that riding a motorcycle is more dangerous than driving a vehicle. They also know that when accidents do happen, they can be severe. For these reasons, safe motorcycling habits are a priority. The best way to avoid accidents is to pay close attention to these safety tips.

  • Always wear a helmet because it can reduce the severity of an accident.
  • While not all states require motorcyclists to have a license, it improves safety because often there is a knowledge and skills test to pass. 
  • Consider getting professional training and a safety course to improve motorcycle handling skills.
  • Be aware of your riding skill level to keep from overestimating your skill in managing a tricky situation.
  • Wear protective clothing that has bright colors to make you more visible.
  • Maintain your motorcycle to make sure the tires, lights, engine, and breaks are in excellent condition.
  • Do not share lanes with other vehicles because you can be missed.  People in cars don’t expect to share lanes with motorcycles and often make quick lane changes.
  • Avoid road hazards such as debris in the road or things that may make the road slick.
  • Watch the road, especially when passing to avoid head-on collisions.
  • The most dangerous situation is when a car is making a left-hand turn, so this is a situation to be especially cautious of because the driver may not see you unless your headlight is working.
  • Avoid lane splitting when vehicles are stopped, and the motorcycle travels between the sitting cars. This can be a recipe for disaster.

Alliance Insurance Services

Alliance Insurance Services partners with other companies to provide insurance coverage in the Arvada, CO area. Our agents will compare policies and locate the best option for your needs.