Recreational faqs

Motorcycle FAQs

Have questions about our motorcycle insurance coverages and how we can protect your two-wheeled dreams? We’re here to help. Here are some common questions riders like you ask:

  1. Every rider is unique. That’s why we provide so many coverage options. Take a look at the protection possibilities:

    • Bodily Injury and Property Damage Liability, and Passenger Liability: Covers you if you're at fault for an accident that injures another person or damages someone else’s property, up to the limits you select.
    • Comprehensive & Collision: Pays to repair or replace your motorcycle if it's stolen or damaged in an accident, regardless of fault. For both coverages you select a deductible that you pay out of pocket. We pay for the remaining damage.
    • Customization Coverage: Provides at least $3,000 of coverage for your custom parts and equipment. Up to $30,000 of additional coverage can be purchased.
    • Medical Expense: Covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of fault. Medical Expense coverage often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, medical expense only applies after other medical insurance is exhausted.
    • Uninsured/Underinsured Motorist: When the person at fault for an accident doesn't have insurance, or enough insurance, this coverage pays for your injuries and damages the at-fault party is legally liable for, such as medical treatment and lost wages.
    • Emergency Roadside Service: This coverage pays reasonable costs incurred due to a breakdown or disablement of your insured motorcycle. These costs may include:
      • Mechanical labor at the place of breakdown
      • Towing to a repair shop
      • Delivery of gas or oil
      • Cost of labor for change of tire
  2. Great question! There are several factors that determine the amount of coverage you need, including the value of your motorcycle, how much you ride, where you live and ride, bike accessories, personal risk tolerance, state requirements, and more. It might seem like a lot to think about. That’s why we’re here. We’ll help you find just the right coverage for your lifestyle and budget. Connect with an agent today.
  3. For the most part — yes. Most states require you have it. Specific requirements, however, vary from state to state. Talk to your agent about requirements for your state — they’d be glad to help!
  4. Accidents happen, and they can be disruptive and costly. Motorcycle insurance can help reduce or eliminate your financial burden should the unexpected occur. Think of it as peace of mind for the open road!

  5. You bet. Theft of an insured cycle is covered. And our motorcycle policy also includes coverage for theft of personal property, including your safety riding apparel.
  6. Yes, your bodily injury liability limit includes coverage for injuries to passengers, unless you choose to exclude the coverage — which is only allowed in certain states. Talk to your agent if you’d like to learn more! They’re always happy to help.

  7. We know no two riders are alike, and neither are their motorcycles! So we offer protection for a variety of bikes including standard motorcycles, mopeds, and motorized scooters. However, there are some exclusions when it comes to custom or high-value motorcycles and motorcycles designed specifically for racing. If you think your motorcycle might fall under one of those categories, connect with your agent to learn more about how we can protect your two-wheels.

  8. Good question. If you’re looking to customize your bike to fit your unique lifestyle, that’s great! But, once the work is done, make sure to get it appraised and share the new value of your ride with your agent. This way they can ensure you’ve got the appropriate amount of coverage for your motorcycle.

    We also highly recommend that if you add on, replace or remove any parts from your bike, you make sure it’s street legal before you hit the roads. Failing to adhere to your state’s laws won’t necessarily affect your eligibility to get a claim paid out should the unexpected occur, but putting safety first will help you avoid any bumps in the road and keep you riding for years to come.

  9. Absolutely! Emergency Roadside Assistance is a smart, inexpensive coverage that can be added on to your motorcycle policy. Talk to your agent today to make sure you’ve got access to help anytime, anywhere should the unexpected happen. We’ll help you get back on the road to your dreams in no time.
  10. Great question. At American Family, we believe safety should come first when you hit the road, so we do offer protection for your riding gear! Get up to $1,000 of safety apparel coverage for your helmet, boots and other gear and ride on with style. Your agent is happy to explain what types of riding gear qualify for this protection.
  11. The short answer — it really depends. Based on the type of accident and the party at fault, your rates may go up because of an accident.

    However, we offer Earned Accident Forgiveness with your motorcycle insurance policy! That means if you’ve got a clean driving record and have proof of 5 years’ worth of prior insurance, we’ll forgive your first at-fault accident and will not raise your rate.

  12. Having the right kind of motorcycle insurance shows you care about protecting your dreams. And we want to reward you for your dedication! That’s why we offer a variety of discounts to help you free up funds to pursue your dreams on the open road. Check out our most common discounts and talk to your agent to learn more about all the ways you can save.
Boat FAQs 
  1. Great question! In most states, watercraft insurance is not mandatory – with the exception of Utah. However, keep in mind that many bank, leasing companies and marinas require you to have physical damage and/or liability coverage, so be sure to factor them into your insurance decisions.
  2. Watercraft insurance from American Family includes liability, medical expense and physical damage coverages.

    • Our liability coverages help you pay for injuries, property damage, first aid, and legal defense costs — so you can focus on keeping your dreams on track.
    • If you or your passengers get hurt in an accident, our medical expense coverages pay to get you better — no matter if you caused it or not. Think ambulance fees, hospital expenses, doctor visits, etc.

    • Whether it’s afloat, in transit or in storage, our physical damage coverages give you peace of mind that your watercraft, equipment and motor will be taken care of. Physical damage coverage also includes:
    •     - Emergency Roadside and On-Water Service  
          - Protective Repairs and Recovery Service

       

      Want to see what these coverages mean for your watercraft? Your agent is always ready to help.

  3. The amount of protection you get is completely up to you and what makes sense for your lifestyle. To start building your policy we offer two main ways to protect your boat/watercraft. They are called actual cash value and agreed value.

    Here’s how it works:

    Actual cash value means that we’ll cover the replacement cost of your boat, minus depreciation for its age and condition.

    Agreed value means that you and you and American Family will agree on the value of your vessel based on an appraisal. In the event of a total loss, you’ll be paid that pre-determined amount. Agreed value policies also pay to repair, rebuild, or replace the necessary parts of damaged property for a partial loss, without any deduction for depreciation.

    Not sure what makes sense for you? Your agent is the perfect person to help you decide.

  4. Yes ─ with physical damage coverage, theft of your boat and its equipment is covered. There is a $3,000 limit for equipment, which you can increase if you’d like. All it takes is a quick email or call to your agent ! In addition, you can add another layer of security to your policy with our Personal Effects & Fishing Equipment Coverage – which protects against the loss of personal property on your watercraft ─ like fishing/diving equipment and clothing.
  5. If your policy includes physical damage coverage, then yes!

  6. One great way to save is by paying the entire cost of your policy at the beginning of each term – we call it our “Pay in Full” discount. Additionally, you can enjoy discounts by completing qualifying safety courses and keeping certain safety equipment on your boat/watercraft. Be sure to ask your agent for all the ways you can save!
  7. Our watercraft policy is designed to offer broad protection for you and your boat, including collision with rocks and other vehicles, theft, fire and explosion. Your agent has the full list of coverages and exclusions, and would be happy to explain the policy to you in detail.
  8. Here are a few common add-ons that can give you extra confidence on the water:

     Our Personal Effects & Fishing Equipment Coverage protects against the loss of personal property on your watercraft like fishing/diving equipment and clothing.*

    •  If your watercraft or property is damaged and you’re facing a partial loss, our Repair Cost Coverage allows you to repair your watercraft, motor or watercraft equipment, without a deduction for depreciation, up to your policy limits.* (This coverage is required in Minnesota)

    • If you’re facing a total covered loss to your watercraft, our Agreed Value Hull Coverage will pay the appraised value of your vessel. Agreed Value Hull Coverage automatically includes repair cost coverage for partial losses, too.*
    • Our Uninsured or Underinsured Watercraft Coverage protects you and others for bodily injury if you’re in an accident caused by another watercraft whose owner/operator is uninsured or underinsured.
    *These add-ons may be subject to limitations.
  9. Anyone who operates your boat/watercraft with your permission is covered.
  10. Using your watercraft for business pursuits* is not covered by our policy, nor is renting it. If your watercraft is seized by the government, involved in illegal acts, or used for racing, it will not be covered. Your agent would be happy to go over a complete list of exclusions with you.

    *The entertainment of your business clients aboard your watercraft is not considered a business pursuit.

  11. You bet! With physical damage coverage, your watercraft and equipment are covered in case they fall off a trailer while in transport.

  12. Anytime your watercraft and trailer are attached to your car, your auto policy will cover the liability for both of them. However, your auto policy does not cover physical damage to your boat while it’s attached to your car. This is where the physical damage coverage of your watercraft policy saves the day!

RV FAQs
  1. Yes, we automatically provide some customization coverage.  If you happen to need a higher limit of coverage, we offer the flexibility to increase your limits as needed.

  2. It depends. There are a lot of factors that play a part in determining the right policy, like the type and value of your RV, how you use it, and where you live and travel – to name just a few. Your agent is the perfect person to help you select the level of coverage that fits both your budget and your RV.
  3. Absolutely. Coverage is provided for relatives and other drivers who are driving your RV, with your permission.
  4. Yes. Emergency Roadside Service is available as an optional coverage for you and your RV.
  5. Yes, some personal property is covered automatically. Should you happen to need a higher limit of coverage, we offer the flexibility to increase your limits as needed.
  6. You bet! An American Family RV policy will cover you anywhere within the United States, and in any territory or possession of the United States. You’ll also be covered in any province or territory of Canada as well.
ATV FAQs
  1. It depends. ATV/UTV insurance requirements vary from state to state.  Ask an American Family agent about the specific requirements for your state.
  2. Easy! You can get a quote one of two ways. Either call 1-800-MYAMFAM(1-800-692-6326), or get in touch with your local American Family agent. No matter how you choose to get your quote, we’ll make it simple and convenient. 

  3. You – and your ride – are unique. That’s why we provide so many coverage options. Take a look at the protection possibilities:

    • Bodily Injury and Property Damage Liability, and Passenger Liability: covers you if you're at fault for an accident that injures another person or damages someone's property, up to the limits you select.
    • Comprehensive and Collision Coverage: pays to repair or replace your ATV/UTV if it's stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. We pay for the remaining damage up to your coverage limits.
    • Customization Coverage: provides at least $3,000 of customization coverage for your custom parts and equipment. Up to $30,000 of additional customization coverage can be purchased.
    • Medical Expense: covers the cost of necessary medical care you receive as the result of an accident and can be used regardless of fault. In some states, medical expense coverage only applies after other medical insurance is exhausted.
    • Uninsured/Underinsured Motorist: when the person at fault doesn't have insurance, or enough insurance, this coverage pays for your injuries and damages the at-fault party is legally liable for, such as medical treatment and lost wages.
    • Emergency Roadside Service: pays reasonable costs incurred due to a breakdown or disablement of your insured ATV/UTV.

    This is just a quick look at available coverages. An American Family Insurance agent can provide all the details you need to help you protect all your dreams. Get in touch.

  4. Great question! There are several factors that determine the amount of coverage that’s right for you, including the value of your vehicle, how much you ride, where you live and ride, customization, personal risk tolerance, state requirements, and more. It might seem like a lot to think about, but that’s why we’re here. We’ll help you find the coverage that makes sense for your lifestyle and budget.
  5. Yes, your bodily injury liability limit includes coverage for injuries to passengers.
  6. Your policy provides $200 in personal property coverage and an additional $1,000 coverage for safety riding apparel damaged as a result of a covered loss. Safety riding apparel means helmets and clothing designed, manufactured, marketed and sold specifically to minimize injury resulting from ATV/UTV accidents.
  7. Yes, American Family ATV/UTV Insurance provides coverage for injuries caused by accidents if medical expense coverage is purchased. Talk to an agent to learn more.
  8. You bet. Your agent can explain what sorts of coverages extend to others riding your ATV/UTV with your permission.
  9. Yes, if you have comprehensive coverage.
  10. Accidents happen – even to the most experienced ATV/UTV riders. Use these 7 steps if the unexpected happens to you:

    • If possible, move your ATV/UTV to a safe place, out of the way of other riders.
    • Check for injuries and call 911 if needed.
    • Be respectful and cooperative with others involved, but don’t admit any wrongdoing or fault.
    • Exchange info with other riders. This includes the year, make and model of ATV/UTV, the rider’s name, address, phone numbers and insurance information.
    • Use your smartphone to take pictures of the vehicles involved and the area of the accident.
    • If the police are called, make sure you get a copy of the report – it’ll come in handy when you make your claim.
    • File a claim as soon as possible. Call 1-800-MY AMFAM (1-800-692-6326) or make your claim online.
Snowmobile FAQs
  1. Our snowmobile policy offers a ton of different coverages — that way you know you’ll always be protected while out on the trails. Let’s break those coverages down, to help you understand your policy inside and out.

    • Bodily Injury and Property Damage Liability and Passenger Liability help cover costs if you cause an accident that injures another person or damages their property up to the limits on your policy.
    • Comprehensive and Collision coverages help pay to repair or replace your snowmobile in the event it's stolen or damaged in an accident, regardless of who is at fault. We also offer Customization Coverage, which protects certain custom parts and equipment on your snowmobile.
    • Personal Property protects your personal property you’re carrying on the snowmobile should it be damaged in an accident.
    • Safety Riding Apparel coverage protects your safety apparel like your helmet and protective clothing, should it be damaged in an accident.
    • Medical Expense covers some of the cost of necessary medical care you receive as the result of a snowmobile accident and can be used regardless of who is at fault.
    • Uninsured/Underinsured Motorist if another person causes an accident and doesn't have insurance or doesn't have enough insurance to cover your costs, we’ll help cover your injuries and damages caused by the other driver.
  2. It depends — some states require snowmobile insurance, and some don’t. Even if your state requires snowmobile insurance, the details of what types of coverages are required can vary by state. Your American Family agent can provide all the details for your specific state.
  3. The short answer? It varies from person to person. The amount of coverage you need can depend on factors like the value of your snowmobile, how, where, and how often you ride it, any customization — and that’s just a few of the factors to consider. Your agent is the perfect person to help you find just the right amount of coverage that fits in your budget.
  4. For the most part, yes. Medical Expense coverage protects your passengers in case of an accident. As for liability coverage, passengers are usually covered, however some states have different laws pertaining to liability. Your agent can help you sort out all the details
  5. If the unexpected happens, the Personal Property and Safety Riding Apparel coverages provide $200 in personal property coverage and an additional $1,000 for safety riding apparel like helmets and protective clothing. If your snowmobile happens to be customized, our policy includes at least $1,000 of customization protection. Is your customization worth more than that? No problem! You have the option to add up to $10,000 worth of additional customization protection.
  6. You bet! Just make sure your policy includes Medical Expense coverage.
  7. Good question! If you purchased coverage to extend your insurance to other riders, as long as they have your permission to use it, you’re in the clear.
  8. If your plan includes comprehensive coverage, then yes, your snowmobile is covered for theft.
  9. If you happen to get in an accident with your snowmobile, don’t panic. Use this guide to help you get back on the trail as quickly as possible.

    • If possible, move your snowmobile out of the way of other riders. If another snowmobile is involved, never leave the scene of an accident until speaking with the rider.
    • If anyone is hurt, call 911.
    • Don’t admit any wrong doing or fault. If the police are called, answer questions and cooperate with the authorities.
    • Make sure you get information regarding the vehicles and riders involved. This includes the year, make and model of the snowmobile, the rider’s name, address, phone numbers, insurance information and insurance policy number.
    • If you’ve got your cell phone handy, take pictures of the vehicles involved and the area of the accident.
    • If the police are called, get the report information.
    • Call 1-800-MY AMFAM (1-800-692-6326), contact your American Family Insurance agent, or report a claim online .
    • Then, file a claim as soon as possible.