When you bought your all-terrain vehicle, you probably dreamed of exciting off-road trail rides. Joining friends for a full day of exploring nature. The last thing you’re probably thinking about is the possibility of an accident. However, the fact is that collisions are all too common with ATVs as the bulky vehicles can travel at very high speeds and are prone to rollovers. Nearly 100,000 people visit emergency rooms due to ATV accidents every year. Continue reading to learn more about the risks of ATV ownership and how insurance can help protect you against the unexpected.
ATV Liability – What Are You Responsible For?
When you own or operate an all-terrain vehicle, you are assuming a wide range of risks and responsibilities, namely the legal obligation to pay for any damages or losses caused by the operation of that vehicle. Whether you are driving or someone else is, your ATV is a machine you are fully responsible for. ATV liability insurance pays for legal fees related to a lawsuit, as well as any judgments, settlements, medical payments, lost wages, and property repairs you are responsible for. Without it, you could be out hundreds of thousands of dollars or more depending on the circumstances surrounding the accident.
What about Your Own ATV? How Do You Protect It?
Once you write a check to purchase an ATV, you just assumed a new risk. If your new ATV is damaged or considered a total loss in an accident, how will you pay to repair or replace it? Collision insurance helps cover these costs with very little out-of-pocket expense to the policyholder. Whether your ATV rolls down an embankment or you collide with another ATV out on the trails, collision coverage will foot the bill.
Non-Accident Related Losses
Collisions and accidents are not the only cause of ATV damage or loss; non-accident-related losses occur as well. In fact, ATVs are often the target of thieves, as the vehicles can be quietly rolled away. Losses due to theft, vandalism and other covered events are insured under comprehensive ATV coverage, which can easily be added to an ATV insurance policy. Whether your ATV is struck by lightning while riding across an open field or a tree branch falls on your vehicle while it’s parked, or it catches fire due to faulty electrical components or a gas spill, comprehensive insurance will help pay to repair or replace your ATV and have you riding again as soon as possible.
Be Safe: Protect Yourself and Your Money with ATV Insurance
Whether you are just starting to ride or have owned an ATV for many years, it pays to review your policy from time to time. With the value of ATVs rising and more riders than ever taking all-terrain vehicles off-road, you might benefit from a full coverage policy that pays for your liability, collision as well as non-accident related losses. Call us today to speak to an agent and request your free, no-obligation quote. We can customize a plan to fit your needs and protect you in the years to come.