All terrain vehicles, commonly known by ATVs, are off roading vehicles that provide an exciting adventure for all riders. ATVs can be classified as different types, such as utility and sport ATVs. Just like any other operating vehicle, a certain level of risk comes along with driving an ATV. Certain risks and liabilities are apparent, and pose a risk to drivers and riders. To protect and shield from those risks, those who own ATVs can seek out ATV insurance. This insurance policy will allow a blanket of security for policyholders, minimizing risk along the way.
Coverage Of ATV Insurance
An ATV insurance policy provides a level of protection to drivers and riders. When owning and operating an ATV, it’s in the owner’s best interest to have an effective insurance policy. Policies hold various areas that supply protection, and will be shown below.
In the event of a collision, or an ATV overturning, an ATV insurance policy will help to pay for any fees. These fees that are covered will come from the repairs that the ATV needs after the collision.
Property Damage Coverage
When property damage occurs when operating an ATV, the driver may be liable to pay for damage fees to fix the damage. If the driver has an insurance policy in place during the time of the damage, then the policy provides coverage from those damages. This can include aid in paying for the fees from the damage.
Bodily Injury Coverage
Accidents are common among vehicles. For ATVs, they are more common than those of a regular operable vehicle. Any bodily injuries that were the cause of a collision or associated with your ATV will be covered by bodily injury. This portion of the insurance policy will help to pay for medical, and legal fees if necessary.
Medical Fees Coverage
Similar to the bodily injury coverage, medical fees coverage will help to pay any medical fees associated with an injury from your ATV. This portion of the policy is related to those that are riding your ATV, and yourself, getting hurt from riding.
Uninsured Motorist Coverage
A collision that is the fault of another driver, who doesn’t have insurance, can be messy. To prevent any confusion and extra stress, uninsured motorist coverage is available in ATV insurance. This will help the policyholder to cover expenses after a collision with someone who doesn’t hold their own insurance.
Ride With Merchant Family Agency
When it comes to the safety of ATV drivers and riders, Merchant Family Agency sees it as a top priority. We don’t just see insurance as a necessity, we see it as an investment in your future. Our ATV insurance policy is designed to protect the policyholder, and ease any stressors they may experience.
Our team of experienced insurance agents will assess your insurance needs, and suggest the optimal protection plan. We strive to offer the best possible solution, so you won’t ever have a second thought. It’s time to focus on the ride, rather than the bumps along the way! If you’re ready to ride, call our office today at 407.707.6418 or request a quote online.