Recreational Vehicle Insurance
​Many people don’t consider the possibility of liability arising from the use of their recreational vehicles. Not only is it important to cover your family in the event that others are involved in an accident, but it is important to protect yourself and your family if they are injured or your property is damaged. What happens if someone runs your ATV into a tree? What if your dirt bike is stolen? What if your 5th wheel experiences a failure while climbing up a mountain to a prime camping spot? What if someone using your ATV slams into another rider and their vehicle while trail blazing? ​
What Is A Recreational Vehicle
Recreational Vehicle refers to many different types of vehicles used for fun and enjoyment. Examples are:
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Off-Road Motorcycles and Dirt Bikes
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ATV/UTV and Four Wheelers
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Motorhomes/RV's (has it's own engine)
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Travel Trailer/5th Wheel (does not have an engine)
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Golf Carts​
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Arizona Financial Responsibility Law
Like 38 other at-fault states, Arizona holds the driver who caused the accident, (referred to as at-fault), financially responsible for any property damage, bodily injury/medical bills, lost wages, and possibly additional associated costs suffered by the not-at-fault person(s). Arizona's minimum liability insurance must be at least up to $25,000 per person, and up to $50,000 per accident, and a minimum of $15,000 in property damage liability.
The state of Arizona law stipulates if you use a recreational vehicle on-road it must be registered and you must have coverage that meets the state's minimum financial responsibility requirements. Keep in mind, even if you are using a public road only to get from one trail to another, the vehicle must be registered and insured. If your recreational vehicle is strictly used off-road, then the financial responsibility law does not apply. However, we highly recommend maintaining insurance to protect your family from possible lawsuit, bodily injury, and damage to yours or others' property.
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Roadside Assistance and Trip Interruption
Most everyone is familiar with roadside assistance. This is an elective coverage that offers you assistance with certain break-down and lockout events. This coverage is usually provided on a per-occurrence basis of like $75/occurrence which means if you need a tow, or someone to help change your tire, the most insurance will pay for each occurrence is $75.
If you have a motorhome or travel trailer, you will have the option to opt into what is often called trip interruption. What this does is it not only provides roadside assistance but also helps vacationers who experience an interruption due to vehicle breakdown or mechanical issue. It can help with towing to a repair shop, daily food and housing allowance, and other transportation related expenses. Each carrier has their own version of this coverage.
Recreational Vehicle Insurance
Much like personal auto policies, coverage for recreational vehicles include bodily injury liability, uninsured and underinsured motorist, collision, and other than collision (comprehensive) coverage. Each policy can be customized based on your use and needs.
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Coverage A - Bodily Injury and Property Damage Liability
(Required by Arizona Law for On-Road Use)
​Bodily Injury Liability: This coverage pays the affected party for costs related to the treatment of bodily injury up to the amount you've chosen in your policy limits.
Property Damage Liability: If you are found at-fault and legally responsible for damage to someone else's property, this coverage pays the affected party for costs related to the repair or replacement of property.
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Coverage B - Medical Payments
(elective coverage)​
Medical payments is for reasonable expenses for medical and funeral services incurred within three years of the date of injury. This payment is for you and anyone that was in your vehicle at the time of an accident or injury; payout under Medical Payments coverage does not require you to be legally responsible for the accident or injury.
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Coverage C - Uninsured Motorist Coverage and Underinsured (UM/UIM)
As of May 29th, 2025 the Arizona State Supreme court ruled that Uninsured Motorist, and Underinsured Motorist Coverage does NOT carry over from your standard auto policy when operating a vehicle designed primarily for off-road use, off-road. Furthermore, any vehicle not meeting the Financial Responsibility Act's definition of a motorized vehicle can be excluded from UM/UIM coverage.
Uninsured Motorist pays for your bodily injury when someone else is legally at-fault but does not carry liability insurance. This coverage applies to you and anyone in your covered vehicle at the time of the accident, or when you and your family occupy another vehicle, including a rideshare like Uber, Lyft, or taxi. Coverage also applies in a hit-and-run situation when the responsible person cannot be located, and if you are involved in a hit and run as a pedestrian.
Underinsured Motorist is similar to the uninsured coverage but serves to fill a gap if the at-fault person doesn't have enough coverage for expenses they were legally responsible for.
Coverage D - Collision, and Other Than Collision (Comprehensive)
​(elective coverage)
Collision covers damage to your vehicle when it collided with an object, or for vehicle upset/turnover. Damage from hitting an animal is considered a comprehensive coverage (see below). Collision coverage is subject to a deductible chosen when buying a policy.
​Comprehensive covers damage caused by 'other than collision'. Examples include: falling objects, fire/explosion, theft, hail, water/flood, wind, safety glass damage, and damage cased by hitting an animal. Comprehensive coverage is subject to a deductible chosen when buying a policy.
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There are many and varying differences between each type of recreational vehicle, and even between the same category types, so make sure and stop by our office and sit down with one of our professional insurance agents to make sure you get the coverage and coverage limits need for the vehicles you zoom around in.