At Southern Risk Associates in Foley, AL, we offer a range of different options for insurance coverage. From home insurance to recreational insurance, we do our best to cover all of the bases of our clients with the insurance policies they need. If you have an RV, motorhome, minibike, motorcycle, golf cart, or other recreational vehicle, you have probably considered insuring it with recreational insurance.
In some cases, they may even be legally required by the state of Alabama to drive the vehicle. We’ll dive deeper into the legal requirements for recreational insurance in Alabama in the article below.
What is recreational insurance?
Recreational insurance is a type of insurance that covers “recreational” vehicles. While there is a broad range of vehicles that fall into this category, there are some ways to tell if your vehicle is recreational. If it’s used mostly for leisure instead of function, it’s probably a recreational vehicle. Some cars such as antique cars can also be covered by recreational insurance.
Am I Legally Required to Hold Recreational Insurance in Alabama?
In Alabama, the only legal requirement for vehicle insurance is liability insurance. It has to be at least $25,000 for death or bodily injury to one person; $50,000 for death or bodily injury to two or more persons; and $25,000 for damage or destruction of property, according to besuretoinsure.com. For recreational vehicle owners who drive their vehicles on public roads, this requirement applies. Even if you don’t drive your recreational vehicle on main roads, it’s still good to have recreational insurance. Since it covers liability and damage, it can provide a safety net.
Reach Out To Us
To see how our recreational insurance policies might be right for you, visit our team at Southern Risk Associates in Foley, AL!