Affordable NC recreational vehicle insurance!
Take off and enjoy the open road knowing you are covered Charlotte Insurance Broker AA Insurance provides the best RV, Motorcycle, boat & toy insurance with premiums you can live with. Depending on your specific needs we can tailor a policy based on usage.
Motorcycle Insurance 101: The Essentials
Selecting the right motorcycle insurance is like selecting the right motorcycle; you want to make sure it fits your needs, your lifestyle and your budget.
Update your policy. First, verify that all your coverages are still in force. Be aware that some companies have a winter layaway period during which some cover-ages are restricted
Next, note any changes such as additional riders or a new garaging address. A quick call to your independent agent or insurance company will ensure coverage that reflects your current needs.
Consider additional liability coverage. If you have significant assets, it may be to your benefit to carry a higher limit just in case you are involved in an accident that causes injury to some-one else or damage to property.
Look into medical payments coverage. Medical payments coverage pays your medical bills as well as your passenger’s and is available in limits up to $25,000 in most states.
Make sure custom parts and equipment are covered. Additional parts such as chrome plating, a custom paint job, saddlebags or special rims usually increase the value of your motor-cycle and may not be covered. If you’ve added any custom parts or equipment, you’ll want to check your policy or call your independent agent to make sure they’re covered.
Did You Know?
Riding a motorcycle is different from driving a car. Motorcycle insurance needs are different, too. That’s why it’s important to choose a company that specializes in motorcycle insurance.
Motorcycles we insure:
- Power Cruisers
- Touring Motorcycles
- Standard Motorcycles
- High Performance Motorcycles
- Sport Bikes
- Custom Construction
Tips To Ensure Your ATV Is Properly Covered
When it comes to your all-terrain vehicle (ATV), it pays to keep your feet on the ground when it comes to insuring it. You may think it’s covered by your home-owners policy, but are you really protected? Your “toy” wasn’t cheap, and lacking the right type of insurance coverage could lead to a sticky financial situation.
Owners should think of ATVs the same way they think of motor-cycles, If you’re not sure what to do about your ATV insurance needs, here are a few things to consider:
Your homeowner’s policy might not be enough. Most likely, your homeowner’s policy only covers your ATV if trouble occurs on your property. Anywhere else and you’ll be exposed. Look for an affordable ATV insurance policy that offers coverage no matter where you are. Trail riders should be aware that many states require ATV insurance for vehicles operated on state-owned land.
What about theft? ATVs are portable and can be easy targets for thieves. You should consider ATV insurance that provides cover-age for things such as theft, fire and vandalism—just like the kind you can get for a motorcycle. Theft, fire and vandalism are covered by Comprehensive coverage, optional physical damage coverage.
Consider uninsured and underinsured coverage. You never know what can happen in the great outdoors. This relatively inexpensive coverage protects you if another rider causes damage to you and he or she lacks adequate coverage.
Did You Know?
ATVs are fun to own, but most likely, your homeowner’s policy only covers your ATV if trouble occurs on your property. Anywhere else and you’ll be exposed. Look for a policy that offers coverage no matter where you are. For more information about ATV insurance contact us.
RV insurance: Don’t hit the road without it
If you bought a tractor trailer, you wouldn’t add it to your car insurance policy. It’s a specialized vehicle and needs special coverages and claims handling.
So why do more than half of RVers surveyed by The Progressive Group of Insurance Companies add their RV to their car insurance policy?
Why you shouldn’t add your RV to your car insurance policy:
For example, what if …
… your RV breaks down on a trip?
While a lot of car insurance policies offer roadside assistance, many may not include coverage for your RV. Even if your policy covers some roadside expenses, it may not cover them all. For example, it may pay for towing only up to the amount it costs to tow a car. RV tows can cost three times more. That means out-of-pocket expenses you’re responsible for paying.
… your RV is involved in a crash?
Auto insurers typically have someone who normally handles car insurance claims inspect your RV. Specialty RV insurers train claims rep to look for damage and write estimates specific to RVs. They also work with repair facilities that know how to repair an RV and guarantee the
… the stuff in your RV is stolen?
You may keep things inside your RV that you never keep in your car like jewelry, laptops and camcorders. Your auto policy won’t pay to replace these items if they’re lost, stolen or damaged. Specialty insurers offer “personal effects” coverage that will pay to replace them if they’re used with your RV.
For more information on RV insurance contact us.
We have you covered fill in the form on the right or pick up the phone we have agents standing by.