As the weather begins warming up, you might spend more time outdoors. Riding ATVs is a fantastic way to unwind before returning to the hustle and bustle of the workweek. However, before planning your next outdoor adventure, it’s crucial to consult with Safechoice Insurance Agency of Rochester, MN, on how to update your ATV insurance policy for summer fun.
Quick Reminders on ATV Insurance
Remember that your ATV cannot be added to your current auto insurance policy. You’ll want to have a separate policy that includes liability coverage. It’s your responsibility to specify the terms of your intended use of your ATVs in the policy agreement. Also, confirm if you want an age restriction on who can operate a recreational vehicle off-road. If not, you may want to include additional coverage to your existing ATV insurance policy.
The Most Common ATV Insurance Policy Additions
ATV owners typically change their insurance policy before taking their vehicle out of storage. In the off-season months, policyholders temporarily remove collision and liability coverage. However, each should be reinstated to active status before taking your ATV out of storage.
Collision covers all repairs and replacement of your ATV if you collide with another recreational vehicle or hit an immovable object during an off-road ride. Liability coverage assists with all injuries sustained by the rider in an accident. Other owners will add comprehensive coverage to their existing ATV insurance policy. It protects them against events that occur beyond their control. The coverage includes protection from theft, vandalism, striking an animal, fire, or extreme weather damage.
Updating your ATV insurance policy is the first step to summer fun. The staff at Safechoice Insurance Agency of Rochester, MN, can ensure your coverage needs are met. Call and schedule an appointment today.
