Most often, accidents involving ATVs results in considerable damages. These damages may require a huge amount of money to repair the damages. In the case you were the fault in the accident, you will be required to cater for all damage expenses. Here is where ATV insurance laws chip in to aid the cost of damage coverage.
Guide to ATV Insurance Laws and Motor Vehicle Injuries
Driving recreational or all-terrain vehicles [ATVs] can be an excellent way to spend leisure and vacation. However, the exciting driving experience can be cut short if accidents arise as a result of negligent driving. In 2007, the United States Consumer Product Safety Commission reported that more than 150,000 people visited a personal injury attorney for ATV-related cases. And among the victims, most of them were children. Due to the high numbers of ATV accidents reported, it is paramount if you understand how ATV insurance laws work.
Basic Types of ATV Insurance Laws
ATV insurances comes with a variety of packages and finding the right package, at an affordable cost, should be a priority to every ATV driver. Many states now have authorized certain types and coverage levels for ATV insurance. Below are the typical ATV insurances coverage:
Generally, this coverage caters for vehicle damages, but rarely covers for collision damages. Some of the damages comprehensive insurance cover include those caused by fire, vandalism, theft, floods, and storms. Usually, you will cater for deductibles, and ATV will pay for the rest expenses.
This type of insurance comes in handy when there is collision damage to your ATV. The collision may be with another vehicle, tree, rocks, or other things of that nature. Here, you will also pay for deductibles, and collision insurance takes care of the rest.
Uninsured Motorist Coverage
There may be occasions, someone, without insurance coverage or with limited coverage, damage your ATV or cause injury to you and your passengers. In such a situation, uninsured motorist coverage will help you pay part of damage costs.
Property Damage & Bodily Injury Liability Under ATV Insurance Laws
These two coverages are essential for every ATV owner. They cover damages caused to other people’s property or pay when a person is hurt or killed as a result of your action.
Operating ATV on public roads can result to arrest, confiscation of the vehicle, and other legal actions. Learn your state ATV requirements and then shop for the best ATV cover that you can afford.