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- Recreational Insurance
TruePoint is insuring more than just your personal auto:
Classic/Antique Auto Insurance
The difference between a classic auto and an antique auto is a moving target; however, the bottom-line is the same. If you own an auto that’s value is enhanced by age, limited production, or even celebrity status of previous owner; you might be able to significantly reduce the cost you pay for insurance. The logic behind this is simple. You drive your car in the snow; you navigate congested streets and highways, and it may often be exposed to the elements by be parked outside. If you’re like most, you drive your care 7 days a week and at times you might let others drive it, some of whom may be your children or grandchildren. All of the above factor in to the risk profile of your personal auto and for most Americans their car is a Workhorse.
Your other car, the one that is a classic or antique isn’t really a car in the since of an American personal automobile. It is a collectable, a treasure or possible even a work of art. While you may drive it, transportation isn’t the primary purpose anymore and as a result is exposed to less risk that a personal auto. Many insurance companies understand this and as a result offer significantly lower premiums to the owners of classic and antique autos.
Motorcycles are as diverse as the people that ride them and so are the insurance companies that protect them. Some carriers provide better quotes for certain makes and models, while others may alter premiums based on the length of the driving season in your area. Similar to auto insurance, youthful drivers or drivers with poor driving records, will find it more difficult to obtain coverage.
Unique to motorcycles is the number of wheels. Sure most have two, but trikes or three wheel motorcycles are becoming ever more popular. Unfortunately, the insurance industry is lagging to some degree and the additional wheel does reduce the options for insurance. The available market shrinks even further if the third wheel comes in the form of a kit is not produced by the original equipment manufacturer.
Regardless of your situation, TruePoint can you find and insurance solution that best fits your needs.
To insure or not to insure, that is the question many ATV owners ask themselves. Designed for off road recreational use, ATV owners in most areas are not required to maintain insurance. With that said, ATV owners are still exposed to significant liability risk. Kentucky in particular has earned an extremely poor reputation, continuously rank among the worst when it comes to ATV accidents. Before you pass on ATV insurance, consider the following:
- Your homeowner's insurance policy may provide coverage if you have an accident. Several factors come into play:
- Where did the accident occur? If it was anyplace other than the insured’s premise, your homeowners policy will in most cases not provide coverage.
- While driving ATV’s on the road is illegal, the majority of all ATV deaths occurs on public roads. Under no conceivable circumstance would these accidents be covered.
- Are you the owner or a family member? If not, then again, coverage is most likely not provided by your homeowners policy. For many this is a huge gap that leaves the ATV owner potentially exposed.
The down and dirty on ATV insurance; determine where, how and where the ATV will be used. With this information in hand you will be position to weigh the risk/reward and hopefully make the best decision for you!
Recreational vehicles are a treasure as they offer their owners exciting and memorable moments. It comes with a lot of fun, but at the same time, they can be faced with many risks. Nobody can tell what happens once you board your RV and it is, therefore, wise to be prepared in case something bad happens.
TruePoint Insurance offers comprehensive RV insurance policies as required by the state of Kentucky. We also help our clients to make decisions on the best type of coverage after listening to their needs.
No fault Insurance
This policy contributes to paying for medical bills of the injured without considering who was at fault for the accident. The coverage is also beneficial in such that it helps to minimize the number of lawsuits between drivers trying to sue the one at fault for the accident. One can only appeal or file a claim if they have exhausted this type of insurance policy.
It caters for the medical bills of the other party if the insured is at fault for the accident. It also pays for repair and replacement of the damaged property. If the affected decides to sue the insured, the coverage also pays for defense fee.
There are more policies that one can get for their recreational vehicles to offer additional protection:
- Collision – It pays for the damage to the RV caused by a crash
- Comprehensive – Pays for damages to the RV which are not a result of an accident. This could include theft.
- Uninsured or underinsured – If the driver at fault does not have an insurance coverage or is underinsured, this policy helps the insured to pay the costs incurred.
To keep your recreation vehicle protected, come to TruePoint Insurance in Kentucky or visit our websites to get a quote and get started.
Fifth Wheel Trailer Insurance
Fifth Wheel Trailers can be confusing, and in the insurance industry, confusion equals problems. Below are just a few of the things you need to know before insuring your trailer.
- Purpose: Is your trailer for personal/recreational use or is it commercial. This makes a big difference. Select the wrong policy and you could find that you have been pay for coverage that you can use!
- Liability Coverage: Because it is attached to a powered vehicle, you may not need liability coverage when you are pulling your trailer between your home and a campground. While your liability coverage stops when you reach the campsite, your liability exposures don’t. Campsite Liability Coverage is available to close this gap.
- Comprehensive and Collision: Similar to your personal auto policy, comprehensive and collision provide protection for physical damage to your trailer. Unlike the liability exposure which may be covered while in transit, comprehensive and collision risk will only be covered when covered by specific policy for your trailer.
- Contents: While unlikely, it is possible that your contents will be covered by your auto or homeowners policy. But if you are not sure and only assuming, it would be prudent to assume that the contents of your trailer are not cover
PErsonal Watercraft Insurance / Boat Insurance
You may not use your boat as frequently as your car in Kentucky, but it is important to have the right insurance coverage in place. A boat is a huge investment and its operations in the open waters can be as dangerous as driving a car on a crowded highway. To ensure the safety of your investment and passengers, you should know what your policy covers before you start sailing. At TruePoint Insurance we ensure that you are fully covered in case of any eventuality. Below are some advantages of boat insurance coverage.
Complete Loss Replacement
If you happen to experience a total loss within the first five years of owning your vessel, boat insurance will compensate you for an amount that can replace it. This is a huge relief because a boat purchase is a large investment.
Coverage for mechanical breakdown
TruePoint Insurance will offer you an insurance coverage in case your vessel has a mechanical failure. At times, it can be costly to fix boat parts once they start to breakdown. As such, you should have a proper coverage in place and also ensure that you understand which parts can be paid for by insurance. You should get an endorsement of the most expensive parts to avoid liability.