7040 N Oracle Road
Tucson, Arizona 85704
Recreational Vehicle is a very broad term for many different types of vehicles used for fun and enjoyment. This term can be used to refer to:
Many people don’t consider the possibility of liability arising from the use of their motorized toys. Not only is it important to cover your family in the event that others are involved in an accident, but what happens if someone runs your ATV into a tree? What happens if your dirt bike is stolen? What happens if your 5th wheel experiences a tire failure while climbing up a mountain to a prime camping spot? What happens if someone using your ATV slams into another rider and vehicle while smoking through a forest trail?
Much like other personal auto policies, coverage for recreational vehicles include liability, uninsured and underinsured, collision, and other than collision coverage. Each carrier and each policy can be customized with many different pieces, so we will only include the basics for these policies.
Liability covers your bodily injury and property damage liability in an accident if you are found to be at-fault. Liability covers the other people involved in an accident, not you or your family/friends.
Uninsured Motorist covers you in an accident if someone who is involved in an accident leaves the scene of the accident and cannot be found, or that person does not have insurance.
Uninsured Motorist covers you in an accident if someone who is responsible for the accident has insurance but doesn’t have enough insurance to cover their liability for your medical or property damage expenses.
Comprehensive covers incidents to your vehicle for things other than collision. Some examples of coverage incidents include hail damage, a tree falling on your vehicle, and similar events.
Collision covers damage to your vehicle in the case of collision with an object or property, whether it’s another vehicle or a fixed object like a tree.
There are 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.
"We worked with both Shawn and Tina. Both provided excellent service and were very thorough in explaining the coverages and costs. Insurance can be very tricky if you don't know what your doing. Having Shawn as a knowledgeable resource made the process much easier and we felt confident with our decision. Highly recommend the office for any of your insurance needs."
- Chris Towner
"Outstanding service, value, products. I do business with Oakley regularly and recommend borrowers there. They consistently do a great job!"
- Jerry Valenzuela
"Shawn, Cathy and the team at Oakley Insurance Group are a delight to work with. During a stressful experience of a car accident it was nice to know they had my back and best interest at heart.
Their team is also very personable, you will be treated with compassion, respect and kindness. Above all, you will receive excellent customer service, something that's sadly not as important as it used to be.
Thanks again Shawn and Team at Oakley Insurance Group! You're valued and appreciated!"
- T Hughes
"The staff in the office are great quick to respond and very helpful. Shawn is one in a million, she is the best broker I've ever known, they will always find the best rates for my insurance needs."
- Carol Henderson
"This is a great insurance agency they work hard and provide excellent service. Thank-you Oakley Insurance !"
- Jordan Hellebuyck