People buy ATVs for a variety of reasons. Some love to go off-roading in their free time, some use ATVs if their property is large and they want to get around quickly, and some buy an ATV and a trailer to work around the yard. When a person buys an ATV, there are a couple of additional things they should purchase, such as a helmet and an ATV Insurance Policy in Milwaukee Wisconsin. There are several reasons why ATV insurance is so important.
Liability Coverage
If a person is riding their ATV and they have an accident and someone is injured, the liability coverage would cover the cost of the other person’s injuries. If they caused damage to another person’s property, the insurance would cover that as well. Finally, if the individual gets sued after the accident, their liability coverage would pay the legal fees.
Collision Coverage
If the ATV owner is in an accident and there is damage to their ATV, it can be expensive to fix. Collision coverage would pay for the damages to the ATV.
Comprehensive Coverage
Comprehensive coverage is an option that can be added to the policy. If the ATV is damaged in severe weather, in a fire, is vandalized or stolen, this insurance would cover it.
Uninsured Motorist
ATV owners are not required by law to have insurance. If the owner is riding and they are involved in an accident with another rider, there will likely be some damage. If this happens, someone will need to pay for the repairs. If the ATV owner has uninsured/underinsured motorist insurance, they won’t need to worry about paying for the repairs. This is another type of coverage that is optional.
Total Loss Coverage
If the ATV owner is in a serious accident and their ATV is totaled, total loss coverage would pay so they can replace their ATV with a new one.
When a person buys an ATV, they need to be responsible. This means riding safely, always wearing a helmet, and purchasing an ATV Insurance Policy in Milwaukee Wisconsin. For more information, visit P & C Insurance Services Inc. or Visit the website.
