If you buy a motorcycle or ATV insurance, you may notice that bodily injuries and property damage are very cheap. However, medical payment coverage and uninsured motorist coverage are quite "expensive".
The reason is that bodily injury and damage to property cover damage to the property of others and others. The uninsured motor and health care is cover for your own injuries. Although these small vehicles can not cause much damage, the damage to the driver can be serious. Would the coverage extend to the recreational vehicle? It probably would, but the car company does not intend for the coverage to extend to vehicles that are not listed on the policy. Prices are based on risk, but companies only know the risks inherent in the policy application. By taking out your auto coverage and stacking the limits to cover the uninsured motorist coverage for recreational vehicles, the company does not get the extra premium for the increased risk. it tries to bypass the system to get additional coverage without the extra cost. Even if it is not considered fraud, it is similar to fraud because the end result is higher premiums for everyone.