Your ATV provides hours of excitement and adventure both at home and when you are travelling. So it makes sense to get the best ATV insurance policy to protect it. Whether your ATV is paid off or you are still making payments, it is important to take the needed steps to ensure that it is safeguarded. Your homeowners insurance policy will only cover your ATV if you are using it while on your land. However if something should happen to it while you are offroading, you won?t be covered by this policy.
Liability Coverage for your ATV
When you ride your ATV, you have to be just as responsible as when operating any other vehicle. You can hurt someone if you are driving while distracted such as while using a cellphone. If you happen to cause harm to someone while behind the wheel of your ATV, you will likely face extensive charges for their medical bills as well as pain and suffering. Unless you have a large amount of disposable funds, the best way to cover this expense is with a good ATV insurance policy. Your policy will provide you with all of the protection you need even in the worst circumstances.
Collision protection for your ATV
In addition to liability, you also have the option of collision insurance to protect your property. In the event that your ATV was damaged in a collision, you can get the needed repairs and even a replacement in some cases. It is important to discuss your available options about a collision ATV insurance policy to make sure your equipment is fully protected.
ATV Insurance Policy with Comprehensive Coverage
If your ATV is being financed, the company that is financing it will require that you get comprehensive coverage for your ATV. This type of coverage protects you and your vehicle in the event of an accident. Whether the fault was yours or another driver?s, you can have complete peace of mind knowing that everything will be covered by your ATV insurance policy.
Consulting with an experienced insurance specialist is the first step towards getting the policy and protection you need. They will guide you towards the policy that is the best fit based on the type of vehicle you have and whether or not it is being financed. Simply schedule a consultation with an insurance agent to get started protecting your ATV today.
For additional information about selecting the best ATV insurance policy, call Integrity Insurance at (785) 233-5401.
