Misconceptions about RV Insurance Coverage

As an RV owner, you’ll find Texas the perfect state for RV road trips. There’s so much to see and do, you’ll never run out of sites to explore. The right RV coverage will take the stress out of your travels by providing adequate protection on the road. Working with an Access Insurance Services agent can help you avoid these common misconceptions about RV coverage:

Misconception: Your RV is Protected by Your Auto Insurance

Fact: RVs require their own insurance for protection against accidents and breakdowns on the road. If you plan to hit the road with your RV this summer, we recommend you purchase liability, collision, comprehensive and uninsured motorist coverage.

RV liability coverage is mandatory in San Antonio, TX by law. This insurance covers the medical and property damage expenses of others in accidents you cause. Collision insurance pays for repairs to your RV if you’re involved in a crash. Comprehensive insurance protects your RV from theft and non-collision damage. Uninsured motorist (UM) insurance protects you against uninsured and hit and run drivers.

Misconception: All RV Insurance Policies are the Same

Fact: As an RV owner, you choose the type and scope of RV coverage you want. Liability insurance is required; other types of coverage are optional. If you have a loan on your RV, your lender may require collision, comprehensive and UM coverage to protect his investment. Otherwise, you’ll be assuming responsibility for damage to your vehicle on your own if you choose to forego other types of coverage. 

Misconception: RV Insurance in San Antonio, TX is Very Costly

Fact: RV insurance costs vary depending on the type and scope of coverage you choose. By shopping around and customizing your coverage, you can get the protection you need at a price you can afford. 

For quality RV insurance at reasonable costs, contact Access Insurance Services.

Motorcycle Insurance Add Ons to Consider

Much like your vehicle, there are nearly limitless insurance options for your motorcycle. When riding your motorcycle you often feel one with the bike. It becomes an extension of you as you enjoy the open road. Much like your own body, you will protect your motorcycle. One of the best ways to do this is with appropriate motorcycle insurance. And yet with so many options, you may need help going through the different coverages in order to see which of these insurance options is best. This alone can be a bit of a challenge which is exactly why our staff here at Access Insurance Services is here to offer assistance for all motorcycle enthusiasts in the greater San Antonio, TX area. 

Medical Payments

This is always a recommended option when owning a motorcycle. It helps pay for medical expenses if you’re involved in an accident while riding your motorcycle. 

Personal Injury Protection

PIP for short, is similar to medical payments although it also helps pay for lost wages if you’re unable to work. If you ride your motorcycle on a regular basis you will want to consider either or both coverage options. 

Trip Interruption Coverage

Do you go on longer trips with your motorcycle? Finding a mechanic quickly can be an issue if something comes up. With trip interruption coverage you will be covered for food and lodging.

Find Your Coverage Today

If you’re shopping around for motorcycle insurance let our staff here at Access Insurance Services help you out. We’re here to lend a helping hand, regardless of how often you ride or the kind of bike you own. So if you have questions regarding motorcycle insurance or are ready to begin shopping around, our team here services greater San Antonio, TX and can’t wait to help you out.