Sunday, March 23, 2014

Why You Should Insure Your Four-Wheeler

By Maryl Joop


ATVs and other recreational vehicles like jet skis are fun to own and many people use them both recreationally and commercially. Some people in more rural areas even use them for personal transportation more than their regular car or truck.

Laws regarding the insurance you are required to carry on your ATV will vary from state to state and it is important for you to make sure that when you purchase the vehicle it is properly insured. While there are many similarities between car insurance and recreational vehicle insurance, there are some distinct differences that you should be aware of.

Why Pay for Dental Insurance? Your insurance premiums, while they may be expensive, will not be more than the cost of most dental procedures. Paying out of pocket for regular visits, a few x-rays, and a filling or two can cost you upwards of $500. An individual dental plan may be as much as $400 per year. Most dental plans cover you for up to $1000 or $1,500 of work per year and the work done for most people annually falls well within that range. For people who may require work exceeding $1,500, you may be able to negotiate more coverage, but the price of your premiums will increase. At the end of the day, the hundreds of dollars that you pay each year for a dental insurance plan are much cheaper than the thousands of dollars you would be paying without a dental plan.

Coverage Most states require that you carry at least basic liability insurance on all of your off-road vehicles especially if you intend to operate them on public land. If you are using them for recreational use, you can be pretty sure that you'll be on public land at some point. Carefully go over your options before purchasing your policy so that you know exactly what will be covered. If the vehicle is totaled or if you injure another person while driving the vehicle, you want to make sure that your insurance can cover the cost of replacement and any medical care that any involved party may need. You also want to make sure that you are covered if another person is uninsured and injures your or damages your vehicle in an accident.

Other Tips Some homeowner's insurance policies provide coverage for damage to ATVs and other recreational vehicles that are stored on the property. It is important that you understand that the policy will not cover damage, loss, and injury during the operation of the ATV or 4-Wheeler. Check with your insurance provider and get a quote for bundling the insurance, and that may save you some money on both policies.

If you install any upgrades or external equipment onto your ATV, you want to make sure that your policy covers those as well. Give your provider a call to find out the details regarding what they will and will not cover. And remember, some discounts and savings you won't know about unless you ask for them. No matter what, safety should be your first priority when operating off road vehicles and insurance should always be part of your safety policy. For more information on ATV and car insurance in San Pedro, call or visit Insurance Center Associates for a quote today!




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