For owners of ATVs, getting ATV insurance is the single most important thing you can do. While many people feel that an insurance policy for their ATV is unnecessary, it can save you money and offer you protection in many differing ways. ATV insurance is essential, even if you plan on keeping your ATV off road. Follow these tips for choosing the right ATV insurance.
An ATV coverage policy provides protection in the event of bodily injury occurring while riding the ATV. This, alone, is reason to have an insurance policy on your ATV. Injuries are pretty common on ATVs, as they can be dangerous. For this reason, you will want to be certain that you are protected in any case of injury. Once an injury occurs, medical costs can increase by the day. If not covered properly by insurance, you may wind up paying thousands of dollars out of pocket because of an ATV injury.
Another area of coverage in an ATV policy is property damage. If you have ever driven an ATV, you know how easy it is to lose control. Because of this, you could easily damage another person’s property by running into a fence, wall, landscaping, a parked car, etc. It would be a relief to know that you had insurance to cover any damage inflicted by you to another person’s property.
For those proud, attentive owners who keep their ATVs safe and snug under an ATV cover, insurance coverage is still a good idea. This is because you could have some sort of accident in which your ATV becomes damaged, or even totaled. Rather than having to use thousands of dollars to replace your ATV, it is much more sensible to pay the small amount required for an ATV coverage policy. Then, you will be able to enjoy your ATV worry free.
Most importantly, liability would be an imperative part of an ATV insurance policy. With liability coverage, any accidental damage done to another person while riding your ATV would be covered. This includes their medical bills due to the injury as well as other costs that could occur. These costs could include loss of wages, if the person is unable to work due to the injury, pain and suffering payment, along with their medical costs. Any costs as a result of the accident could be covered under this section of a policy. Liability insurance can be applied whether driving off-road or on the road.