Getting Your Toys Covered
The love you hold for your All-terrain vehicle is worth an Insurance coverage! If you’re a rancher, or a hunter; or just simply love desert safari or trail riding, you need to assure that your precious ATV is insured impeccably. You never know if it gets stolen, or badly damaged while in pursuit of an adventure! Many states specifically require you to have an ATV insurance in order to ride it on state-owned areas. In such scenarios, even a homeowner’s policy might not work and cover for your loss since it was not your property in the first place.What qualifies as an ATV?
Since for the fact that many people confuse four-wheelers with ATV’s. And that many States have their own definition of ATVs, it is necessary to acknowledge which off road vehicle actually qualifies for this Insurance policy. Most of the times, single passenger and off-road four wheelers are considered as ATVs, while actually they are quad bikes, quads, quadricycles or just four wheelers. There are also such ATVS like the Polaris Ranger 6×6 which is a six wheeler. Some ATVs are designed for two passengers, with more or fewer than four wheels specifically. ATVs are not licensed by many States to be used on roads, or highways.What is covered?
It has the same coverage as a typical motorcycle insurance, and hence most of the same features are catered in this insurance plan as well. With most of the Insurance companies, an ATV is actually covered under a motorcycle insurance policy. Following are the two liability insurance features: Bodily Injury Liability: Same terms and conditions as how it is in a Motorcycle policy. Except for the fact that the limit is defined as a specific amount per person or an amount per accident, regardless of the number of victims involved. Property Damage Liability: Similar to Bodily Injury Liability only that it covers for property damage that you are liable for. There is a specific claim limit in this policy. And it may be same, or lower than the limit per person in an ATV Bodily Injury liability. Also, optional coverages included in an ATV policy are similar in regards to terms and conditions as how they are in a Motorcycle coverage plan, which are mentioned below:- Comprehensive and Collision Coverage
- Uninsured/Underinsure Motorist Coverage (UM/UIM)
- Medical Payment or MedPay Coverage
Noteworthy Points When Planning on Buying an ATV Coverage!
- Insurance rates are Adjustable! Low rates could be ensured if a certain protocol is maintained. It is always advised to have a good past driving history and certain types of ATV’s to get better Insurance rates. For like, ATVS having a higher engine displacement would result in costly packages.
- Less Expensive than Motorcycle insurance! Though most companies cover ATVs under Motorcycle Insurance. But nevertheless ATV insurance is relatively inexpensive due to the usage factor. Since it’s not used in areas with more public association.
- Discount with Multiple ATVs under one policy plan. You can attain discount if you are going to get more than one ATV insured through a Company.
- Age Factor and Safety Courses. More mature riders with safety course certifications tend to get better quotes due to the fact that they are more immune to the risk factor than the younger users.
- Homeowners’ policy not applicable! Your homeowners’ policy won’t cover you in an accident irrespective of the location of the accident, or who would be liable for it. You need to get your ATV insured separately! Get connected to our professional agents at Express Auto insurance to get the best quotes and current market analysis. We’ll give you the cheapest and lowest rates filtered through a myriad of plans available in the market! So, now the next time you go on an adventure, have that precious peace of mind while riding your beloved Honda!