What's Covered
Vehicle Damage & Theft Coverage
If your specialty vehicle is damaged or stolen
Coverage to help repair or replace the insured vehicle after accidents, weather events, theft, or vandalism
Liability Protection
If you cause injury or property damage
Liability coverage can help protect you financially for bodily injury or property damage claims, subject to policy limits
Custom Parts & Equipment Coverage
If you’ve added custom parts or upgrades
Coverage may be available for aftermarket accessories and specialty equipment when specifically included in the policy.
Medical Payments Coverage
If you or your passengers are injured
Medical payments coverage may help with eligible medical expenses, regardless of fault.
Emergency Roadside Assistance
If your vehicle breaks down or you need a tow
Optional roadside assistance can help with towing and emergency services
Vehicle Damage & Theft Coverage
If your specialty vehicle is damaged or stolen
Coverage to help repair or replace the insured vehicle after accidents, weather events, theft, or vandalism
Liability Protection
If you cause injury or property damage
Liability coverage can help protect you financially for bodily injury or property damage claims, subject to policy limits
Custom Parts & Equipment Coverage
If you’ve added custom parts or upgrades
Coverage may be available for aftermarket accessories and specialty equipment when specifically included in the policy.
Medical Payments Coverage
If you or your passengers are injured
Medical payments coverage may help with eligible medical expenses, regardless of fault.
Emergency Roadside Assistance
If your vehicle breaks down or you need a tow
Optional roadside assistance can help with towing and emergency services
Who's Covered
Leisure & Adventure-Focused Drivers
Those who use specialty vehicles for travel, recreation, or weekend use need protection that goes beyond standard auto insurance.
Owners of Customized or High-Value Vehicles
Vehicles with upgrades, accessories, or higher values benefit from coverage that reflects what you’ve actually invested.
Seasonal or Occasional Drivers
If you use your vehicle only part of the year or for specific trips, specialty coverage helps protect it when it’s in use or in storage.
Recreational & Specialty Vehicle Owners
Anyone who owns a motorcycle, RV, boat, or specialty vehicle needs coverage designed for non-standard vehicles and unique risks.
Real-Life Scenarios
Your vehicle breaks down during a trip
You’re traveling in your RV when it breaks down far from home. Optional roadside assistance can help with towing and emergency services designed for larger, specialty vehicles.
Coverage Applied:
Roadside Assistance / Towing
A storm causes damage while parked at home
A strong storm moves through overnight while your RV is parked in your driveway. High winds damage the roof and tear the awning. Comprehensive coverage can help pay for covered storm-related damage so you’re not left with a costly repair.
Coverage Applied:
Comprehensive Coverage
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You have a low-speed accident on a weekend ride
You’re out on your motorcycle on a Saturday afternoon when a car pulls out of a side street and clips you at low speed. Your bike is damaged and the other driver claims injuries. Specialty vehicle insurance helps cover the damage and liability costs so you’re not handling it alone.
Coverage Applied:
Liability Coverage
Collision Coverage
Medical Payments
Specialty Vehicle Insurance
Coverage for motorcycles, RVs, boats, and other specialty vehicles - on the road or off the grid.
Real-Life Scenarios
See how auto insurance protects you in real-world situations
You rear-end another vehicle during rush hour traffic. Your auto insurance covers the damage to the other vehicle, medical expenses for injured passengers, and repairs to your own car.
Coverage Applied:
A sudden hailstorm damages your car while parked. Comprehensive coverage pays for the repairs to your vehicle's body and windshield.
Coverage Applied:
An uninsured driver runs a red light and hits your car. Your uninsured motorist coverage pays for your medical bills and vehicle repairs.