Considerations for Insuring Off-Road Vehicles

Insuring an all-terrain vehicle (ATV) is a special type of insurance. Work with your agent at The Select Insurance Agency, serving Coppell, TX and the nearby communities, to make sure your insurance is adequate before taking an ATV out for an off-road adventure.

Things to Consider about ATV Insurance

You probably want to have replacement insurance that would cover the cost of a new ATV that is the same or similar to the one you have if it is completely wrecked or stolen. Replacement coverage is better than simply covering the value of your ATV.

Replacement Value

When you only cover the value and not the replacement, you may be sad that you do not get enough to be able to pay for a new ATV when yours goes missing. Also, talk with your agent about the benefits of installing an anti-theft device with a GPS tracking system.

Authorized Users

Insurance needs for an ATV differ depending on who is authorized to use it and is covered under a policy. Inform your agent who you will allow to use and to drive the ATV, especially if you are going to allow any teenagers or children to operate it. In this way, you will be able to avoid having some unfortunate news that an accident is not covered because someone was not an authorized user.

Incidental Things

One thing that many forget to check is the effect of ATV use on other insurance policies, such as life insurance or health insurance. You may be surprised to find out that these policies may have specific disclaimers regarding the use of ATVs as an uncovered risk. Ask your agent to conduct an insurance review of all of your existing policies to make sure you understand the details.

Contact your agent at The Select Insurance Agency in Coppell, TX by calling 972-315-7299 to get a quote for all your insurance needs.