All-terrain vehicles (ATV) can become dangerous to riders and people around them when they are mishandled. Also, they can be costly to repair or replace when damaged. As such, it is advisable for ATV owners to have ATV insurance in Idaho.
Although most insurance companies offer ATV insurance under motorcycle insurance, at West Valley Insurance, we prefer to offer a special coverage option which will specifically meet your needs.
Bodily Injury Liability
If your ATV injures or kills in an accident, bodily injury liability insurance pays for damages. And in the case of lawsuits, the coverage also meets any legal fees. However, the policy only covers up to the insured limits.
Property Damage Liability
Property damage meets the cost of damages caused by your ATV on a third party’s property, such as personal property and front or backyards. The policy also has a limit of coverage.
Medical coverage settles any medical bills incurred by those injured while riding your ATV. The coverage pays things such as ambulance transportation, surgeries, and hospital stay.
Uninsured/ Underinsured Motorist
In case you or somebody using your ATV gets injured by a motorist with no insurance or is underinsured, this coverage will meet the expenses. Don’t assume that everyone abides by the set minimum liability limits and also keep in mind that the coverage has limits per individual.
If your ATV suffers damages from a collision with other automobiles or it overturns, collision coverage pays for repairs. In most cases, if you require financing to get your ATV, lenders may need to see collision coverage before accepting the loan application.
Comprehensive insurance is vital for covering risks other than collisions. Such risks include hail, fires, theft, wind, and vandalism. The coverage also has a deductible. For instance, if somebody steals your ATV, you can file a claim, and we will pay the cash value to replace it.
ATVs are important forms of fun. However, they can also be dangerous to you and your loved ones. Therefore, it’s wise to have insurance. Call or visit West Valley Insurance in Idaho to get a quote on ATV insurance.