Have you given it much thought?? Is your ATV/4-wheeler properly insured?????
When it comes to ATVs, there are two types of coverages. If you limit ATV rides to your own property, your homeowner policy may cover the vehicle so separate coverage would not be needed. On the other hand, if you ride your ATV anywhere else like public trails, or even just crossing the street, you will need Wisconsin Recreational Insurance.
Coverage you should consider if you do trail riding or your ATV leaves your property:
• Bodily Injury and Property Damage Liability – this coverage will protect you from damaging or injuring another person or property.
• Other than Collision & Collision Coverage – this coverage will protect your ATV if you get into an accident with another object or vehicle. Like in regular auto insurance, the comprehensive coverage takes care of any incidents that caused damage to your ATV other than collision – fire, theft, vandalism, and collision with an animal.
• Medical Payments Cover – This is a good coverage to have because it provides compensation for the medical services sought out and given to you after being hurt in a ATV accident, regardless of who is at fault.
• Uninsured/Underinsured Coverage – Again, like car insurance, if you have the unfortunate fate to get into a terrible accident where the other motorist either has minimum coverage or no insurance coverage at all, this type of cover provides you peace of mind that some or all of your medical bills will be paid.
• Accessory and/or Safety Apparel Coverage – The coverage protects all electronic equipments and gadgets as well as upgrades installed in your 4-wheeler apart from the factory installed ones. Also, trailer, covers, helmets, and other safety apparel or accessories related to your ATV would be covered.