One of the most important decisions you make as a recreational vehicle owner is which recreational insurance policy to purchase. At Premier Insurance Agency, we offer numerous options for recreational insurance in Detroit, MI.
The following are three reasons why it’s so important to have recreational insurance.
You need liability coverage to legally drive on the road.
The most important reason to have recreational insurance is that it is required by law if you want to take your vehicle on public roads. You need to meet liability insurance coverage requirements or you could be ticketed or worse.
The state of Michigan has various minimum liability coverage requirements you need to meet. You need to carry bodily injury coverage of at least $20,000 per individual per accident. You need at least $40,000 in maximum coverage per accident.
Your recreational vehicle is a valuable possession you need to protect.
You are not required by law to carry collision coverage for your recreational vehicle. However, it’s a good idea to invest in collision coverage anyway.
Collision coverage will compensate you for damages to your own recreational vehicle in the event of an accident. If you don’t purchase collision coverage, you will have to pay out of pocket to have your recreational vehicle repaired if it is damaged in an accident.
You want to enjoy peace of mind when traveling in your recreational vehicle.
You take a huge risk whenever you drive a recreational vehicle without insurance coverage. Even if you are only using your recreational vehicle on private roads, it’s still important to buy insurance coverage. Otherwise, you could be held liable for accident damages. This could destroy you financially because the costs of an accident can add up quickly, especially if they involve physical injury and resulting medical bills.
Are you on the market for a recreational insurance policy? We’re here to assist recreational vehicle owners in Detroit, MI. Get in touch with us at Premier Insurance Agency to explore our policy options.