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GARDEN
CITY INSURANCE
2910 S. Reserve St., #C
Missoula Montana 59801
Toll-Free: 1-866-444-1084
Local: 1-406-542-1084
Fax:
1-406-549-8527
E-mail Us At:
info@gardencityins.com
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 BODILY INJURY (BI)
Bodily injury provides coverage for liability you are legally
responsible for due to injury you cause others in a vehicle accident.
The coverage is shown as two figures, the first being the amount of
coverage for one individual and the second is the coverage for all
persons injured in the same accident.
UNDERINSURED MOTORIST (UIMBI)
This covers medical expenses caused by another driver who doesn't have
enough insurance.
UNINSURED MOTORIST (UMBI)
This covers medical expenses caused by another driver who doesn't have
any insurance.
OTHER THAN COLLISION (OTC) / COMPREHENSIVE (COMP)
This is coverage for the damage to your RV as a result of an accident
that is not a "Collision". Examples of these accidents would include
fire, hail, wind, vandalism and theft, hitting an animal or window
breakage. Deductibles apply and the higher your deductible the lower
your annual premium.
COLLISION (COLL)
This is coverage for the damage to your unit as a result of its impact
with another vehicle or object. Deductibles apply and the greater your
deductible the lower the annual premium.
PROPERTY DAMAGE (PD)
This provides coverage for amounts of property damage you are legally
responsible for as a result of a vehicle accident.
SETTLEMENT OPTIONS
If your RV suffers a total loss there are generally three settlement
options that will dictate the form or amount of settlement you will
receive. The three options are; Replacement Cost, Agreed Value and
Actual Cash Value.
Replacement cost: This option will replace your unit within the first
five model years with a new unit. After the five year period the
settlement option goes to Agreed Value.
Agreed Value: This option will settle the claim a the value shown on
your policy. The value is determined to be the purchase price as
documented by your bill of sale or invoice dated less than two year or
an appraisal dated less than two years.
Actual Cash Value (ACV): This option will settle at the depreciated
value of your unit.
FULL-TIMER
Full-Timers are those who reside in their RV more than 6 months a
year. This policy provides liability coverage similar to home-owners
liability coverage and pays up to specified limits of liability for
which you are legally responsible for as a result of an accident while
the RV is being used as a residence.
VACATION LIABILITY
Residing in your RV less than 6 months a year a part-timer may obtain
coverage against liability arising from accidents occurring while
using your RV as a temporary vacation residence.
PERSONAL EFFECTS (PE)
This covers your personal items used in connection with your RV that
becomes damaged or lost due to a Collision or Other than Collision
incident. You may select any increment of $1,000.
DIMINISHING DEDUCTIBLE
This option reduces both your Collision and Other Than Collision
deductibles by 25% each year no claims are filed. After 4 claim free
years your deductibles are zero.
TOWING AND ROADSIDE
This coverage provides towing to the nearest qualified repair facility
and the necessary labor at the location of the disablement of your RV.
Some examples of when you might use this coverage would include flat
tire, mechanical breakdown, lock-out or running out of fuel.
MEDICAL PAYMENTS
This coverage provides payment for medical expenses you and your
passengers incur as a result of injuries sustained in an auto
accident.
EMERGENCY EXPENSE
This coverage will reimburse you for lodging and transportation
expenses as a result of a covered collision or other than
collision/comprehensive accident.
MEDIUM DUTY TOW VEHICLES
Medium duty tow vehicles such as Freightliners, Kenworths, Peterbuilts,
Internationals and other semi-like trucks which are use in towing
travel trailers including fifth wheel campers. In order to write the
truck insurance the trailer policy need to be written as well.
MEXICO COVERAGE
Mexico coverage will extend your property coverage into Mexico.
However, you must also obtain a separate Mexican Liability insurance
policy for this coverage to apply.
TRAILER COVERAGE
This coverage pays up to levels stated in the policy for physical
damage to trailers or tow dollies when they are being used in
conjunction with the RV. $2,000 or $2,500 is included when physical
damage coverage is selected but higher trailer coverage is available.
OUTSTANDING BALANCE
 This covers the difference between the outstanding balance on a loan
financing the RV and the actual cash value of the unit. |
