Whether you are exploring unparalleled scenery, rugged terrain, or hidden trails, ATV riding can be very unpredictable. While this might seem exciting to you, not everything is — like getting into an ATV accident, for instance. This is why is important that you are adequately covered with ATV insurance. Before you purchase a policy, it’s essential that you understand the different types of insurance available.
Liability
Liability covers bodily injury, which helps pay for expenses related to injuries by people in an accident that you are at fault of. It also covers property damage according to the policy’s terms, which helps with expenses associated with other people’s damaged property in an accident that you caused.
Collision
This portion of your insurance coverage provides protection from damage costs related to your ATV when involved in an accident that was your fault, if you are hit by another ATV, or in the event your ATV rolls over. You might be required to have collision coverage if you are financing or leasing your ATV. This also includes safety apparel expenses. You should speak with your independent insurance agent to find out if you’re required to have this type of insurance before you request a quote.
Underinsured or Uninsured Motorist Coverage
If an uninsured motorist hits you, uninsured motorist insurance is designed to cover your property or injury damage expenses. If a motorist who doesn’t have adequate coverage hits you, underinsured motorist insurance can cover the difference between what your bills cost and what they are able to pay.
Medical Payments
Not all of your medical bills are covered through your health insurance plan. With this type of insurance, you are covered for both passenger and driver no matter who’s responsible for the accident.
Comprehensive
This insurance covers losses that are not from an accident like fire, vandalism and theft. You may be responsible for a deductible and you might be limited to damage affecting safe operation or the structure of your ATV.
Optional Equipment Coverage
Your off-roading equipment is an essential component to your ATV riding. In most cases, when you purchase comprehensive and collision, you automatically get optional equipment coverage of up to a certain amount.
Here at bolt insurance Agency, we can explain all the details of these types of insurance coverages as well as their limits. When you are protected with ATV insurance, you can have peace of mind when you are off-roading. Remember, each insurance policy is different. Some might not offer all of the coverages above while others might offer much more. That’s why it’s important to work with us to get the best ATV insurance coverage for your needs, and at the best price.
