All-terrain vehicles (ATVs) can be unsafe for the riders as well as those around them, and it’s very expensive to replace it if it’s damaged. Due to this, owners need to buy ATV insurance to protect them and their machines from unforeseen losses. Many insurers in Austin, TX like Ty Lawrence Insurance Agency may cover ATVs under a motorcycle insurance policy although rates are often lower for the off-road vehicles.
What does ATV insurance cover?
There are many coverage options in an ATV insurance policy. Some of them are mandatory while others are optional. This piece will outline all the coverage options in ATV insurance.
Body injury liability
This policy pays for all damages related to other parties who are injured in an accident that’s associated with your off-road vehicle. It also covers legal fees that may result from litigation against you.
Property damage liability
This cover is designed to pay for the damages you cause to another individual’s property. It will include properties like personal belongings, yard, or home.
This is an optional plan that provides protection in case you are involved in an accident with someone who isn’t insured or doesn’t have enough of it. If the other party is at fault, your insurer will cover all the cost the person is responsible for.
Medical payments coverage will pay for medical expenses that will be incurred by those who ride your ATV and get injured. This optional plan will cover things such as X-rays, surgeries, transportation via ambulance, and hospital stay.
It pays for damages that are not caused by collision, for example, flooding, earthquake, vandalism, theft, fires, and other causes.
The coverage pays for all necessary repairs to your damaged off-road vehicle after an accident.
You can get all these coverage plans from Ty Lawrence Insurance Agency, a company that serves the entire Austin, TX area. Contact us for more information.