Winter, spring, summer, fall- here in Indiana, we get to experience a taste of every season. And to satisfy our seasonal needs, we have our different “toys” or recreational vehicles to keep us entertained. We are talking about your snowmobiles, 4-wheelers, golf carts, campers, etc., that add an extra element of enjoyment to each season that rolls around. At Insurance Management Group, we know that recreational vehicles are a source of great fun! And we want to make sure that before you go riding and racing through the snow on your snowmobile, or hitching up the camper for that summer road trip, that you have the insurance protection you need.
Let’s take golf cart communities, for example- the heart of small town Indiana. If you live in a golf cart community, you know that it’s not uncommon to see your friends and neighbors taking a cruise through the neighborhood, or taking your own golf cart down to the corner drugstore to pick up slushies for the kids. Or maybe you decide to drive it down to the park to sit and watch the concert at the band shell on a summer evening. However you use it, it’s important to make sure that you are properly insured. Golf carts can be insured under your homeowner’s policy, but liability will only be covered while on the premise of your home. So, if you find yourself driving your golf cart on the road, you need a separate policy to make you street legal. At IMG, we are experts in the field of golf cart coverage and are ready and available to talk more with you about your specific needs, how we can meet them, and how we can get your golf cart road ready.
Like golf carts, RV’s, campers, motorhomes, etc., are best covered if placed on their own separate policy. For example, let’s say that you are hauling your camper to the campsite up at the lakes. As soon as you park and detach your camper, there is automatically a gap in coverage when being insured under your standard auto policy. With a separate policy, you will have greater coverages during a break down, such as towing & labor, hotel expenses, as well as vacation liability. Vacation liability ensures that once you get to where you are going, you will covered for any mishaps that might occur for which you could be held responsible. We believe in the importance and relevance for this type of coverage, as this could save you from a costly lawsuit.
Our recreational vehicles are part of our everyday lives. We know how much fun they can be and how they are a constant source of our entertainment. We also know, as insurance professionals, that obtaining the right coverage for these vehicles can be confusing and tricky, as each policy is written based on different criteria. We, at Insurance Management Group, are here to answer all of your questions, learn your situation, and make sure that you are properly protected at a cost that is affordable to you. Call and talk to one of our friendly IMG agents today to learn more at 765-664-2333!