What does RV insurance cover?

RVs, also known as Recreational Vehicles, come in a variety of shapes and sizes. Travel trailers, popup campers, fifth wheels, and motorhomes are all types of RVs. Depending on what type of RV you own and where you are, RV insurance may or may not be mandatory. But in most cases, RV insurance is optional as per state laws. That’s because campers are towed behind the car and not driven. But that doesn’t mean that you don’t need coverage.
RV Insurance Coverage Options 
With the high number of different RVs in existence, one policy can’t provide enough coverage for all your RVs (assuming you have more than one). But how many people have more than one camper out there? Not a lot. Coverages vary widely between campers and motorhomes. Common RV insurance coverages include:
  • Collision. If you get in an accident with another car, RV collision coverage will pay for the damage to your motorhome or RV irrespective of who’s at fault.
  • Comprehensive. If any non-collision damage happens to your RV or motorhome, comprehensive coverage will cover it. This RV policy covers anything from damages resulting from storms, flood, fire, and falling objects to theft and vandalism.
  • Bodily Injury and Property Damage Liability. If in an accident, your RV causes injuries or damage to third party property, this coverage will pay for it.
  • Uninsured/Underinsured Motorist Protection. If someone hits your RV and runs, or they don’t have sufficient insurance to cover the damage, this coverage kicks in.
Optional RV insurance coverages include custom equipment, total loss replacement, personal effects, vacation liability, and roadside assistance. If you are looking for RV insurance in NE Arkansas, GTW Insurance is your go-to provider. We offer all types of RV insurance you may need for your camper. For more information about available RV insurance coverage options, call us and talk to one of our agents.

Is Motorcycle Insurance Mandatory?

According to the Motor Vehicles Department in Arkansas, everyone is required to be financially responsible for injuries or damages they cause to others. So, every motor vehicle used on the roadway needs to have liability insurance, and this includes motorcycles. If you don’t get the appropriate motorcycle insurance policy from insurance agencies like GTW Insurance, you could end up spending thousands of dollars in damages out of pocket.

Arkansas motorcycle coverage minimum coverages

Motorcycle insurance in NE Arkansas is governed by several state statutes. The statutes require that motorcycle owners carry coverage with the following minimums:

  • $ 50,000 for injuries or death to more than two individuals
  • $ 25,000 for injuries or death to one person
  • $25,000 for destruction or damage to property

Note that these are just the state’s minimum coverage options. You can exceed these coverage amounts by staying in a hospital for just one night. Although this is a “no-fault” state, it doesn’t necessarily mean that the other party won’t try suing you, exposing you for more financial hardship. As a result, you should consider carrying a coverage that exceeds the set minimums.

Common motorcycle coverages

  • Collision – This is a protection that will cover your motorcycle whether you were at fault or not. It may or may not include underinsured or uninsured coverage, so consider adding it for added protection.
  • Uninsured coverage – 15.9 percent of motorists in Arkansas are uninsured, making it essential for you to have this policy. It protects you against an uninsured driver.
  • Bodily injury – this is a protection that will cover some costs if you cause injuries to someone in an at-fault accident. This plan is essential since it also includes your passengers.
  • Comprehensive – the coverage will protect you against non-accident losses like water, wind, fire, vandalism, and theft.

The penalties for failing to have insurance coverage vary depending on the situation at hand, but they will include suspension and reinstatement fees. You can contact GTW Insurance serving the NE Arkansas area to get more information regarding the requirements for motorcycle insurance in the state.