AAA South Jersey — July/August 2012
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Recreational Vehicles
Recreational vehicles may include motorcycles, all-terrain vehicles (ATV), boats, motor homes and travel trailers.
Whether you own any of these vehicles or are considering a purchase this year, it is important to be sure you carry adequate coverage to meet your individual insurance needs.
Policies for motorcycles should provide standard and optional coverage. It is important that you carry adequate limits of liability coverage and matching underinsured and uninsured motorist coverage to protect you in an at-fault accident. Likewise, if you are carrying passengers, it is recommended that the guest passenger liability coverage limits are also included to protect your exposure. Comprehensive and collision coverage should be considered on an individual basis. The policy may also include optional equipment coverage on most bike models.
Similarly, these same coverages are available for all-terrain vehicles. Though these vehicles are not used on public roads, it is important to remember the exposures for accidents are just as great as that of motorcycles.
Boating is a hobby many of us in New Jersey enjoy. You may have assumed that the boat is covered under your homeowners policy and the trailer covered by your automobile policy. However, there are limitations on most homeowners and automobile policies when it comes to watercraft and their accessories. After checking with your homeowners and auto insurance carriers you may want to consider a personal watercraft insurance policy. These policies will address your specific needs and can offer more comprehensive coverage on most boat models.
Do not forget that insurance protection goes hand in hand with risk management techniques including safety courses, such as the AAA Boating Safety course, personal protection and upkeep of the vehicle.
Some families will decide to take to the open road this summer and are looking for a more relaxed, at-home feeling. Most likely they will accomplish this via motor homes or travel trailers.
Specialized coverage both outside and inside on most of these recreational vehicles can be obtained to protect your individual needs, be it a short-term vacation or a veteran full-timer.
Remember that, although you seek the adventures associated with vehicles you do not look forward to any surprises when it comes to insurance coverage.
For the best advice on your personal insurance needs contact AAA Insurance Agency at 856-783-4222, or visit www.AAA.com
Whether you own any of these vehicles or are considering a purchase this year, it is important to be sure you carry adequate coverage to meet your individual insurance needs.
Policies for motorcycles should provide standard and optional coverage. It is important that you carry adequate limits of liability coverage and matching underinsured and uninsured motorist coverage to protect you in an at-fault accident. Likewise, if you are carrying passengers, it is recommended that the guest passenger liability coverage limits are also included to protect your exposure. Comprehensive and collision coverage should be considered on an individual basis. The policy may also include optional equipment coverage on most bike models.
Similarly, these same coverages are available for all-terrain vehicles. Though these vehicles are not used on public roads, it is important to remember the exposures for accidents are just as great as that of motorcycles.
Boating is a hobby many of us in New Jersey enjoy. You may have assumed that the boat is covered under your homeowners policy and the trailer covered by your automobile policy. However, there are limitations on most homeowners and automobile policies when it comes to watercraft and their accessories. After checking with your homeowners and auto insurance carriers you may want to consider a personal watercraft insurance policy. These policies will address your specific needs and can offer more comprehensive coverage on most boat models.
Do not forget that insurance protection goes hand in hand with risk management techniques including safety courses, such as the AAA Boating Safety course, personal protection and upkeep of the vehicle.
Some families will decide to take to the open road this summer and are looking for a more relaxed, at-home feeling. Most likely they will accomplish this via motor homes or travel trailers.
Specialized coverage both outside and inside on most of these recreational vehicles can be obtained to protect your individual needs, be it a short-term vacation or a veteran full-timer.
Remember that, although you seek the adventures associated with vehicles you do not look forward to any surprises when it comes to insurance coverage.
For the best advice on your personal insurance needs contact AAA Insurance Agency at 856-783-4222, or visit www.AAA.com
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