There are many types of all-terrain vehicles designed to suit your off-road travel needs. These machines may be tough and rugged, but they are certainly not invulnerable to risks. Whether you use your ATV to hunt, take care of work around the farm, or perhaps just seeking the thrill of adventure, make sure you are protected with a personalized ATV/UTV insurance policy through Billy Brown Insurance.
ATV Risks and Liabilities
Owning an ATV comes with a certain amount of risk, and that can increase depending on how often you use your vehicle and for what purposes. Whether you are flying through an open field, taking turns on a gravel road, or sloshing through a muddy trail, an everyday ride can go wrong in a split second, resulting in ATV damage, property damage, and possibly even an injury.
If you cause an accident involving your ATV or UTV, could you afford the cost to repair your vehicle or perhaps replace it if it is totaled? What about the cost of repairing another person’s damaged property, such as a fence or another ATV? Worse more, how would you pay for the injuries you cause, which could easily total tens or even hundreds of thousands of dollars? If you cause an ATV-related accident, you could be sued for the damages. Without adequate coverage, the entire loss could be on your shoulders – legal fees and all.
Southeastern Wisconsin ATV Insurance
Wisconsin ATV and UTV Insurance policies come with many different types of coverage, some of which include:
Physical Damage
If your ATV is damaged, your insurance can help cover the cost of repair or replacement. The collision portion of your coverage protects you against damages to your ATV caused by a collision, whereas the comprehensive portion of your coverage helps pay for non-collision damages and losses, such as those caused by inclement weather, fire, fallen trees, wildlife, theft, and vandalism.
Liability
If you injure someone while riding your ATV or damage someone else’s property, you can be held responsible. Liability coverage can help cover your financial responsibility for these damages, as well as legal fees and court costs.
Uninsured/Underinsured Motorist
Tens of thousands of people visit emergency rooms for ATV-related accidents every year. Make sure you are covered if you are ever one of them. Uninsured and underinsured motorist protection helps pay for your medical expenses and lost wages if the person at-fault for your injuries has too little coverage or none.
Off-season Coverage
For riders in Delafield and the greater Waukesha areas, having the right ATV or UTV insurance is a must – even in the off-season. Not only can it provide you with peace of mind while riding, but it could also pay for losses when your ATV is not in use. Instead of canceling your policy when your vehicle is stored away, talk to an agent here at Billy Brown Insurance about continued coverage during the off-season that can protect you against fire, theft and other losses. Not only are these types of ATV damages often limited or excluded by homeowners insurance, but continuing your coverage may be more affordable than canceling and purchasing a new policy later.
Free Delafield ATV Insurance Quotes
Make sure you and your ATV are protected against a financial disaster in the event of an accident. Give us a call here at Billy Brown Insurance for your free quote today.
