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Colorado Insurance Blog

What Does ATV Insurance Cover?

There are different types of ATV insurance, and it’s a good idea to work with an insurance company such as AFI Insurance to find the best policy to meet your needs. Since ATV insurance is not required in Denver, CO you want to make sure you have coverage to protect yourself and your investment in the event of an accident.

Liability coverage covers bodily injury or property damage. Bodily injury liability coverage will help cover costs for those injuries that are suffered by others if you are responsible for the accident. Collision coverage will cover your ATV if it is damaged in an accident, so you can repair it or replace it. Comprehensive coverage will cover your ATV if it is damaged not in an accident, but in an act of theft of vandalism. Medical payments will cover you if you are injured in an accident.

You will want to choose coverage options based on your needs. If you have adequate medical coverage you may not need medical payment coverage. It’s good to have collision coverage since you may be storing your ATV more often than you are using it and it helps you recoup any costs should you ATV be damaged while it’s being stored. Your homeowner’s insurance policy may not cover things like damage from trees or rocks, so it’s important to check your policy so you have adequate coverage. Repairing your ATV can be expensive and you may want to have coverage so you can enjoy your ATV for years to come.

ATVs can be insured with other vehicles like golf carts, dune buggies, or snowmobiles, and it may be possible to get a discount if insuring multiple vehicles at once.

Contact AFI Insurance serving Denver, CO to find the coverage you need for your ATV.

How to Protect Your Snowmobile

Whether it’s sunny or not, you can always find a little powder for your snowmobile either in or around Denver, CO. But the more you use it, the more likely it is that something will happen to it, and chances are, you wouldn’t want to spend a lot of money to repair or replace your machine. So before you take your snowmobile out for another joy ride, keep the following tips in mind to make sure you can keep it safe from harm. 

Do Your Research

The weather in Colorado can change in a heartbeat, so keep your snowmobile (and yourself) safe by looking into the weather before you go. A frozen trail won’t be very fun, and it may cause you to fly off the path faster than you think. White-outs and blizzards will also make it impossible to stay the course. You may want to consider taking a safety course too when it comes to your snowmobile. Everyone thinks they’re a safe driver until they end up in a situation that may have been prevented if they had a little extra forethought. A course will help you learn how to inspect your snowmobile, wear the right gear, and avoid the wrong places. 

Contact AFI Insurance 

While it’s true that a snowmobile may not be as important as your car or your home, that doesn’t mean that it’s not important to you. For all the owners of Denver, CO who don’t want to lose their investment this winter, AFI can help. We offer plenty of options to keep everything that you love safe from harm (or at least safe from out-of-pocket repairs.) Give AFI Insurance a call today to learn more about our options so that you can get the peace of mind you crave! 



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