Easy with All-Terrain Vehicle (ATV) Insurance

easy with All-Terrain Vehicle (ATV) Insurance

The Alabama Forestry Commission reports that all-terrain vehicle usage is at

an all time high. Alabama ATV riders have access to numerous off-road parks

and trails throughout the state, and these types of vehicles are increasingly

being used for more specialized tasks such as transportation, hauling,

property inspection, and the like. And although Alabama state law does not

require ATV insurance, it’s still a good idea to consider it. While your

homeowners policy might cover incidents that occur on your property, that

coverage will definitely not offer protection for incidents that might happen off

of your property.

So before you and your brother hitch up the trailer and load up your vehicles,

consider talking to a qualified agent about available ATV insurance options,

which can include:

Liability: will help pay for damages, medical bills, and repairs if an accident

occurs while using your ATV, like inadvertently slamming into your brother’s

brand new 2014 Polaris Scrambler XP 850 HO.

Collision: will help pay repair costs for your ATV after an accident, regardless

of who ran into whom to allegedly avoid clipping a squirrel.

Comprehensive: will help pay repair costs for your ATV for “other than collision”

incidents, for example, run-ins with trees, or piles of rocks, or bodies of water,

or your brother’s’67 Impala…you get the idea.

Uninsured/Underinsured Motorist: since ATV insurance isn’t required, many

people, even, say, your brother, won’t bother to carry it. This coverage will

help pay any costs incurred from repairs or medical bills not covered by the

other party.

Equipment: can help cover damage to equipment you use, such as a GPS,

cameras, or the trailer your brother didn’t hitch properly.

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