Riding an ATV can be a great way to have fun and enjoy the outdoors. If you enjoy riding, you may be wondering if you need insurance for your ATV. The truth is that you really should have some sort of protection. Many places even require insurance if you want to ride on their land.
That being said, you may be unsure about what ATV insurance covers? Here are some things that will be covered under your plan.
Bodily Injury Liability will pay for medical bills for anyone that is injured in an accident. It may also cover any legal fees if you get sued because someone is injured while riding your ATV.
Property Damage Liability covers any damage that may occur to someone’s property if you are in an accident on their land. This may include damage to a fence that you hit while you were out riding or any other damage that you could have done.
Uninsured/underinsured motorist is optional insurance that you may want to consider. It will protect you if you are involved in an accident with someone who doesn’t have insurance (or just doesn’t have enough).
Collision is also optional insurance. This will cover any damage that occurs to your ATV in an accident, even if your ATV rolls over. You may want to add this option if your ATV was expensive. You may be required to have this if you are taking out a loan to buy your ATV.
Comprehensive is also optional. It includes damage that may occur to your ATV when you are not riding it. This includes theft, vandalism, flooding, and much more.
If you are unsure about whether you need ATV insurance, be sure to call Strack Insurance Services in Arlington, TX.