If you own a car, truck, or SUV, auto insurance will protect your financial well-being should you get into an accident. When it comes to other types of motor vehicles, though, it’s necessary to purchase an additional policy to make sure they’re covered. The guide below looks at what needs special treatment and why.

3 Kinds of Vehicles That Require Their Own Insurance 

1. Motorcycles 

It’s a common misconception that you can simply add a new motorcycle to an existing auto insurance policy. In reality, motorcycles require their own policies, which have specific coverage requirements. This is primarily because riding is considerably more dangerous than operating a standard passenger vehicle. While riders aren't necessarily more likely to get into wrecks, they are more likely to suffer severe injury when they do. 

2. RVs

Because most RVs spend a lot of time in storage, they don’t have the same protection as cars, trucks, and SUVs. In fact, major insurers usually offer seasonal policies for these vehicles. While you don’t necessarily need collision coverage for your RV during the winter months, though, it’s important to retain comprehensive coverage year-round. This can compensate you following vandalism, severe weather, animal accidents, and other unwelcome surprises. 

3. ATVs

Unlike RVs and motorcycles, ATVs are not actually street legal. As such, they don't need extensive coverage for collisions with other vehicles. Since an accident can still happen on the trails, though—or on the way to the trails—those who own ATVs should invest in a special policy that will pay you in the event of a wreck. 

To purchase insurance for your motorcycle, RV, or ATV, turn to Michael E Glick Insurance. Located in Boerne, TX, this agency is backed by nearly 30 years of experience in the industry. Their knowledgable employees are happy to assist with everything from life to auto insurance. To request a quote or no-charge insurance review for your motor vehicle, call (830) 816-9488 or reach out online.