RV Insurance Coverage Options for Arvada, CO Residents

Whether you plan on driving your RV down the street or across the country, you need an active insurance policy. It’s important you are aware of the coverage that is required by CO to ensure you are in compliance with the current RV insurance laws. Here are the facts and coverage options for your RV in Arvada, CO.

Is RV Insurance Mandatory in CO?

If you plan on operating an RV, you’ll need adequate insurance coverage. In Colorado, as an RV driver, you are required to carry liability insurance and underinsured/uninsured motorist coverage. Underinsured/uninsured motorist coverage is necessary :

  • If you are using the RV part-time
  • If you’re renting an RV to take a vacation
  • When you purchase an RV, trailer or camper
  • If you live in the RV full-time

Even though you may have an active homeowner’s insurance policy or auto policy, these insurance options do not provide adequate coverage for your RV.

What Does RV Insurance Cover?

RV insurance in Colorado includes:

  • Collision
  • Liability
  • Comprehensive

Collision Coverage – This coverage handles the expenses if you collide with one or multiple objects or vehicles, regardless of who is at fault.

Liability Coverage – This insurance coverage handles the expenses associated with bodily injury, property damage, and legal fees if you are at fault for an accident.

Comprehensive Coverage – Comprehensive insurance covers everything liability and collision insurance does not. This insurance handles the damages due to smoke and fire, wildlife, vandalism, lightning, hail, and similar scenarios.

You may also want to consider purchasing underinsured/uninsured motorist coverage. This type of insurance provides coverage for you and your passengers in the event you are involved in an accident and the other party does not have adequate insurance coverage.

Here at Alliance Insurance Company, we provide a variety of insurance options for Arvada, CO residents, including home, auto, business, and life insurance. Contact us today to inquire about our insurance solutions. We’re here to help you.

3 Reasons to Sign Up for Motorcycle Training Classes

Whether you’re new to motorcycle riding or have been riding for years, you can benefit from motorcycle training classes. At Alliance Insurance Services, we recommend Arvada, CO riders take advantage of riding classes to hone safety and riding skills that can make them better riders. If you’ve never attended a motorcycle training course before, here are some good reasons to sign up for one today.

Improve Safety

Motorcycle training can improve your safety on the road. Classes will include a review of Colorado traffic signs and laws designed to reduce accidents. Your instructor will also go over safety measures that can keep you safe when riding within the city or on Colorado highways.     

Enhance Riding Skills

Motorcycle training can benefit both new and experienced riders. After some time, it’s only natural for experienced riders to become less vigilant on the road, putting them at risk of accidents. Motorcycle classes can help refresh and enhance your riding abilities to help prevent accidents.

As a new rider, you will learn how to ride defensively to avoid accidents. You’ll practice your skills in a safe, controlled environment. You’ll benefit from the counsel and training of motorcycle instructors with years of experience in their field. Your hours of practice and training will give you greater confidence to integrate into city and highway riding.

Reduced Insurance Costs

Completion of a motorcycle training course in Arvada, CO could make you eligible for discounts on your motorcycle insurance. By putting your training into practice, you’ll reduce your risk of accidents, which can qualify you for insurance discounts due to being a safer rider. Motorcycle training will also enhance your riding experiences so you can enjoy your road trips to the full.

To learn more about motorcycle coverage or purchase a motorcycle policy, contact us at Alliance Insurance Services.