Every specialty vehicle policy is unique, but the following is a quick rundown of the some of the options included in most insurance policies:
- Collision coverage: pays for covered damage to your vehicle when in a collision with another vehicle or other object.
- Property damage liability coverage: insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide 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 vehicle. This coverage also may provide 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 — like fire, theft, or vandalism.