Whether you are working in muddy fields or four-wheeling, safety means more than just driving responsibly and wearing the correct gear. It also means caring for yourself and your all-terrain vehicle (ATV) with the correct off-road vehicle insurance. As with most vehicles there are a variety of insurance options for ATV owners in Oklahoma. Since ATV insurance can come with so many diverse types of policies, it’s worth outlining them.
Here is what to look for in ATV coverage:
Oklahoma ATV coverage options are rather comparable to other vehicles, meaning, there is liability coverage, uninsured motorist, comprehensive coverage, and collision coverage. Liability insurance is of specific significance to those interested in protecting their ATV, as it is the option that protects you in the event of bodily damage. Due to the lack of built-in safety features for ATVs compared to a regular car, it is important that you get a liability coverage plan that you are pleased with. It is also worth specifying that liability coverage protects you from any lawsuits that might emerge from an accident.
Uninsured Motorist Coverage: This is a critical component of ATV coverage, and usually the most inexpensive part of a policy. In the event you or someone riding your ATV are injured by someone else who does not have insurance, or not enough of it, these coverages will pay for your expenses.
Property Damage Liability: This coverage is like bodily injury liability, except it pays for the cost of any damages that an ATV driver may cause to another person’s property.
Collision coverage: This coverage is responsible for paying out repairs to your vehicle after an accident. As with other forms of collision coverage, ATV collision coverage refers to any events in which the ATV meets a foreign object or after a notably damaging flip.
Comprehensive coverage: This optional form of protection that applies to your ATV in the event of a theft or natural disaster. If you are riding somewhere with problematic weather patterns or an area that is habitually vandalized, then you’ll want to consider adding comprehensive coverage to your plan.
When selecting your insurance plan, you will want to contact a well-informed and qualified insurance provider who can walk you through the complexity of your plan. Give one of our agents a call today!