Why do you need insurance for your Motorcycle, ATV or UTV?
You’ll enjoy the open road or the offroad even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you’re in an accident or your Motorcycle, ATV or UTV is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If your Motorcycle, ATV or UTV is responsible for damage or injury to others, you may be sued for much more than you’re worth.
- Your Motorcycle, ATV or UTV also needs protection when it’s on land. Accidents can happen while towing a Motorcycle, ATV or UTV .
Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if your Motorcycle, ATV or UTV is in an accident, damaged or stolen?
- Is my Motorcycle, ATV or UTV covered for use year-round?
- What discounts and programs are available?
- How much medical insurance and liability coverage is enough?
- Do I have coverage if I need to have my Motorcycle, ATV or UTV in an emergency?
- What’s the process for filing and settling a claim?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
The personal Motorcycle, ATV or UTV policy covers:
- bodily injury
- property damage
- guest passenger liability
- medical payments
- theft
Liability limits start at $15,000 and can be increased to $300,000.
Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.
Additional coverage can also be purchased for trailers and other accessories.
You should talk to your insurance representative about the type of coverage that would best suit your needs.
