Colorado Off Road ATV Vehicle Insurance
Riding down the Kingston Peak trail near Denver or the Sand Dunes out near Cowdrey – riding an ATV is a popular, and growing, pastime. Whether you are riding a dune buggy, quad, or even a golf cart, an off-road ATV can cost a good chunk of change. Used by sport enthusiasts, trail riders, farmers and ranchers alike; with the rising cost in gas ATV’s are becoming more and more popular. They are a pastime the whole family can get in on, with riders as young as 10 being allowed to take the wheel. But it isn’t all fun and games, in 2011 alone; over 100,000 people were injured in the United States due t riding an ATV. Like any vehicle, ATV’s have their risks and it is important to make sure you are covered.
ATV’s Hidden CostsHaving insurance for an ATV is not required in Colorado, but many people don’t know that there are several situations where your liability protection from your homeowner’s insurance or other policies may not cover ATVs. This includes damage from colliding with trees, rocks or other vehicles, and may not cover if the ATV is stolen or if someone is injured. Repairing or replacing an ATV can get expensive quickly. So whether it is for racing through Denver’s Thunder Valley Motor Cross Park, or to help you run the farm, it might be time to look at purchasing off road ATV vehicle insurance.
What it coversWhen an owner purchases an off road ATV vehicle insurance policy, they can customize the policy to have the coverage they need. One that we recommend is comprehensive coverage, which protects from loss due to theft, fire, or vandalism. If the ATV is going to be used on the trails or on a regular basis, having collision coverage protects you in case rocks, trees or other obstacles damage the ATV. Property damage and bodily injury coverage covers expenses when property is damaged or someone is injured and you are held at fault. Uninsured motorist coverage protects you when uninsured or underinsured riders cause loss or damage. As a full service independent insurance agency, we have been helping Denver residents find appropriate coverage for years.
How to know if off road ATV Vehicle Insurance is right for youThere are a few questions that you can ask to determine if this coverage may be right for you:
- Does my homeowner’s insurance cover me when I ride my ATV or when it is off premises?
- If it is damaged or lost, can I afford to replace it on my own?
- Will it be used in areas where it can get damaged easily?
- Will it be used by people other than yourself or in areas where there will be other riders about?