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.