Most states require you to carry insurance on your CFMOTO all-terrain vehicle. Different types of insurance are available that give you the right amount of coverage depending on your needs.
Below is a short summary of ATV insurance coverage and what you need to know. Check with your local CFMOTO dealer or contact your auto or homeowner’s insurance company to find out more.
Common ATV Insurance Questions
Before you take insurance out on your ATV, you should ask some clarifying questions. Some questions that will help you choose the right coverage may include:
● What is the minimum amount of insurance coverage required in my state?
● Is my ATV covered under my auto or homeowner’s policy?
● Does my policy cover friends or family who are operating the ATV?
● Is there a discount for taking an operator safety course or riding with a helmet?
● What does my policy covers? Liability? Full-coverage? Theft?
● Does my policy cover personal injury or premises liability?
Types of ATV Insurance Coverage You Can Purchase
Most insurance companies give you options for purchasing insurance. Remember, that most states require a minimum amount of coverage. You can find this information on your state’s DMV.org website.
Types of ATV insurance coverage include:
● Comprehensive. Comprehensive ATV insurance coverage pays for damage to your ATV if it is caused by an event other than a collision. Comprehensive insurance covers fire, theft, vandalism, flooding, damage caused by an animal.
● Collision. Collision insurance covers damage to your ATV if you collide with another ATV, a tree, a parked vehicle, a fence post, or other obstacles. Collision insurance may also cover minor damage to your ATV such as scrapes, scratches, minor dings/dents and other cosmetic/non-structural damage.
● Bodily Injury & Property Damage Liability. ATV insurance covers bodily injury and property damage liability. If you or someone else sustains injuries from an accident, the insurance will cover your injuries up to a certain amount.
Property damage liability insurance covers damages to someone else's property after an accident. Property damage will pay out when you are at fault for an accident that causes damage to someone else’s ATV.
● Uninsured/Underinsured Motorist. Although you state may require insurance, some owners may choose not to carry coverage for their ATV or side by side. If the at-fault party damages your property or injures you in an accident, your insurance will cover your medical expenses or property damage.
How Can You Get the Most Out of Your ATV Insurance?
Insurance can be expensive. You need to explore every available option for saving money and optimizing your insurance coverage.
Here are a few more tips to help you:
● Understand all your coverage choice. Ask your insurance provider about what’s available and how it applies to your situation.
● Ask about all the discounts available to you. Different providers offer different discounts.
● Find out the details about the claims process. Does your insurance offer apps for quick claims.
● What is the statute of limitations? How long can you go without filing a claim?
● Can you choose your own ATV repair service or do you have to go with the providers listed on your insurance? Can you recommend adding your mechanic?
CFMOTO Has Got You Covered With Rugged ATVs
CFMOTO offers first-rate ATVs and side by side vehicles that can handle your outdoor adventures. Whether climbing a mountain, gliding through the flatlands, or crossing the creek beds, you can depend on your ATV to get you where you want to go.
To find out more about our exciting line of ATVs, contact a CFMOTO dealer near you.