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Insurance solutions by Rutledge and associates

ATV
It's a simple fact. Your ATV or UTV needs protection that's different from what your auto or homeowners insurance can provide. That's why our specialized off-road insurance coverage is tailored to meet your unique needs—especially with the high theft rate of these vehicles.​

  • Total loss replacement — This coverage is applicable to buyers of a new RV (defined as being sold within the first five model years). Total loss replacement replaces the RV with a similar unit, even if the replacement costs more than the original. This coverage is protection against RV depreciation, in event of a total loss.
  • Replacement cost of personal belongings — Auto policies usually cover a limited amount of content in a vehicle. RV policies give you the option to specify a limit to include all of your personal belongings destroyed by a covered event.
  • Full time liability — Offers liability coverage similar to homeowner's insurance when the RV is parked and is used as a residence. This coverage includes emergency treatment and medical expenses for others injured in or around your RV.
  • Campsite liability — Similar to full time liability, but designed for short-term vacationers.
  • Emergency expenses — Reimburses expenses related to living outside the RV while it is being repaired, as long as the covered loss occurs a set number of miles from your fixed residence (usually 50 miles). Common expenses covered are lodging, meals, and travel back home.
  • Higher liability limits — RV insurance policies allow for significantly higher liability limits than auto insurance. Because most RV's are much larger than cars, they have the potential to cause a significant amount of damage in a mishap. Higher limits provide greater financial protection after an unfortunate incident.
  • Medium duty tow trucks — Covers trucks over one ton when used to tow a trailer or fifth wheel.
  • Suspend collision coverage when in storage — When the RV is in storage, you can suspend portions of the policy which apply only when the RV is moving on the road, such as collision coverage. This is a cost-saving option because you are not paying for unnecessary coverage.

RV
An RV is a vehicle, and as such, most insurance companies will be happy to issue a policy. However, insuring an RV with a typical auto policy leaves significant coverage gaps. As such, RV's should be insured with a specialized policy which covers the things an auto insurance would miss. We carry the following RV policies:

​Why ATV insurance?

  • ATVs have a high theft rate.
  • Your homeowner's insurance may not cover your ATV if you ride it off your property or if you trailer your ATV to another location.
  • If you use your ATV in a state-owned or public park, ATV insurance may be required.


We've Got Your ATV Covered:

  • Collision coverage – pays for covered damage to your ATV when it hits, or is hit by, another vehicle or other object. This coverage is available with a $500 or $1,000 deductible. Collision pays for physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post, or other obstacle. You just pay the deductible you selected, and your Collision coverage will pay for the rest. Collision also provides coverage for scrapes, scratches, minor dings/dents and other cosmetic/non-structural damage.
  • Property damage liability coverage – insures you against certain damages caused to someone else's property while operating your ATV and in most cases, provides you with a legal defense for such claims if another party files a lawsuit against you.
  • Bodily injury liability coverage – insures you against certain damages if you injure or kill someone while operating your ATV and in most cases, provides you with a legal defense if another party in the accident files a lawsuit against you.
  • Comprehensive physical damage coverage – pays for covered losses resulting from incidents other than collision - such as theft, fire or vandalism. This coverage is available with a $500 or $1,000 deductible and is limited to damage that affects the structure or safe operation of the vehicle. In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it's caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an animal, Comprehensive coverage will likely apply. You just pay the deductible you selected, and your ATV insurance will cover the rest.
  • Medical payments coverage – in most states you can select medical coverage for yourself and your passengers.
  • Uninsured/Underinsured motorists coverage – insures you against certain damages in the event of an accident that occurs on a public road or highway where you are struck by someone with no insurance coverage or limits that are lower than yours. The uninsured vehicle must be a vehicle that is designed to be insured and registered for use on a public road or highway (such as a car, truck, or motorcycle).
  • Safety Apparel Coverage- this provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
  • Funeral expense coverage- pays up to a predetermined amount for funeral expenses associated with an ATV/UTV accident resulting in the death of an insured person who was occupying the insured ATV/UTV.


Jet Ski / ATV / RV  Coverage

"That theres an RV, Clark"