Automobile insurance coverage protects vehicle owners against financial losses resulting from accidents, theft, vandalism, or liability claims. It provides coverage for damages to the insured vehicle, medical expenses for injuries, and legal costs associated with accidents or injuries caused by the insured vehicle. Sanford, Bruker & Banks is committed to protecting clients’ auto, motorcycle & recreational vehicles and providing comprehensive coverage options for their specific needs. This is vital for our clients who own an automobile, but also have motor homes, ATV’s, and boats.
Our agents are a trusted resource for insurance-related advice and solutions.
Types of Auto & Recreation Insurance
Auto Insurance: Provides financial protection to vehicle owners and drivers in case of accidents or incidents involving their vehicles. These coverages typically include liability coverage to pay for damages to other parties and their property, collision coverage for damages to the insured vehicle, comprehensive coverage for non-collision-related damages (such as theft or vandalism), medical payments coverage for medical expenses, and uninsured/underinsured motorist coverage to protect against accidents with drivers who have insufficient or no insurance.
Motorcycle Insurance: Offers financial protection for motorcycle owners and riders against potential risks and liabilities. These coverages typically include liability coverage to pay for damages to others and their property, comprehensive and collision coverage for damages to the insured motorcycle, and optional coverages like uninsured/underinsured motorist, medical payments, and custom parts and equipment coverage.
Antique/Hobby Car Insurance: Provides specialized insurance for classic, vintage, or collectible cars that are used for recreational purposes rather than daily commuting. These coverages often include agreed value coverage, which ensures that the car is insured for an agreed-upon value based on its uniqueness and condition, as well as other unique provisions tailored to the specific needs of antique and hobby car owners, such as mileage restrictions and storage requirements.
Recreation Insurance: Provides protection for various types of recreational vehicles and activities. This coverage can include insurance for boats, RVs, ATVs, snowmobiles, and other recreational vehicles, as well as liability coverage for accidents or injuries that may occur during recreational activities.
- Boating Insurance: Provides financial protection for boat owners against various risks and liabilities while operating their watercraft. These coverages typically include protection for the physical damage to the boat, liability coverage for bodily injury or property damage to others, medical payments coverage for injuries to passengers, and additional options such as coverage for personal belongings and towing assistance.
- ATV Insurance: Offers protection for all-terrain vehicles (ATVs) against potential risks and liabilities while riding off-road. These coverages typically include physical damage coverage for the ATV itself, liability coverage for bodily injury or property damage to others, and additional options like uninsured/underinsured motorist coverage and coverage for aftermarket accessories.
- RV Insurance: Provides comprehensive protection for recreational vehicles (RVs) used for traveling, camping, or as a second home. These coverages typically include liability coverage for accidents and injuries, physical damage coverage for the RV itself, personal belongings coverage, and optional coverages like roadside assistance and vacation liability coverage while the RV is parked at a campsite or temporary location.