4 Things to Understand about ATV Insurance

If you have an ATV, getting ATV insurance is one of the most important things you could do. Many people believe that they do not need an insurance policy for their ATV. They think that they will just keep it around their farm and off the road, so it's not entirely necessary. However, ATV insurance can save you a lot of money and protect you in a number of different ways. Here are a few things that you need to understand about ATV insurance.

1. Covers the ATV

The first thing that ATV insurance covers is damage to the ATV itself. You might not think that it's necessary to have this type of coverage, but think about having to replace your ATV. Many new ATV's cost thousands of dollars. If you have to replace a totaled ATV, you won't want to have to come up with a few thousand dollars to do it. It's much easier to pay a few dollars for an ATV policy and not worry about it.

2. Bodily Injury

The ATV policy will also cover any injuries that you incur will driving the ATV. This is where it can really start to save you some money. Driving an ATV can be dangerous and injuries are fairly common. Therefore, you will want to make sure that you are insured against any potential sources of injury. Medical costs continue to grow by the day. Without proper insurance, you could end up spending thousands of dollars in medical bills as a result of an ATV accident.

3. Property Damage

Another big advantage of having ATV insurance is that it covers property damage as well. If you've ever driven an ATV you will understand how it would be completely possible that you damage someone else's property. If you run into a wall or a fence, you know that your ATV insurance will cover it. Sometimes, these repairs can get pretty costly. With the proper coverage, you can put these fears to bed and start enjoying your ATV rides again.

4. Liability

Liability could be the most important part of the ATV policy. This part of the policy covers any damage that you do to other people while driving the ATV. If you run into someone and they suffer any injuries, your insurance policy will cover their medical bills and any other costs that are incurred. This applies whether you are on the road or off-road. If you have a wreck on the highway and damage someone else's car while injuring them, you will be covered. Any time you are involving other people's injuries, you know that the bills can get high. They might require medical bills, pain and suffering, and lost wages. The liability portion of your policy will cover all of this as well as anything else that they might need. It can even reimburse them for meals and lodging as a result of an accident.

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