Indiana and Ohio drivers know that the autumn season brings beautiful leaf foliage, pumpkin spice lattes, and apple butter festivals, but did you know that it is also the most popular ATV riding season?
If you’re looking to purchase an ATV or UTV, you first need to know how many drivers you want to allow on your insurance policy. ATVs are all-terrain vehicles typically meant for one or two riders. Their larger counterparts, UTVs, are side-by-side off-road vehicles that seat between two to four riders.
It is important to consult your insurance agent before making such a purchase in order to determine how many drivers and riders are allowed on your policy. Sometimes, insurance policies will limit the number of drives the vehicle can have as well, so that may help you to decide who should be on or off the policy.
ATVs and UTVs are considered risky. According to a Consumer Product Safety Commission report, there were 82 deaths in Ohio between 2007 and 2011. Therefore, Ohio has strict laws enforced for such vehicles.
Ohio law requires that all drivers are a minimum age of 16-years-old. The use of helmets and eye gear are also required on public property. All drivers must have a license to drive such vehicles on public property, but are not required to do so on private property. Though insurance coverage for the vehicles is similar to auto insurance coverage, insurance for these recreational vehicles are designed to cover the costs of an incident and theft.
Coverage could assist policy owners with the costs of medical bills, repairs, and lawsuits. ATV/UTV insurance can also assist operators who find themselves injured by the fault of an uninsured or underinsured driver. This coverage pays for medical bills and other non-medical type injuries that are incurred by an operator.
All insurance policy costs are different since every driver and situation is unique. Factors such as your driving record, along with the other records of the drivers on your policy, how often the recreational vehicle is used, insurance score, ages of the drivers, and the top speed of the vehicle come into play.
ATVs and UTVs are rarely covered by automatic coverage from any other type of insurance. While you can add recreational vehicles to your auto insurance or homeowners’ insurance policy, it is normally best to have separate specialized coverage. By obtaining separate coverage, the vehicles may be covered more correctly and are typically less expensive than to add them to an existing policy.
If you’re in need of ATV or UTV insurance, or simply want to review your overall insurance policy, an independent insurance agent is a great source of information. Remember, there is a difference between having the right coverage and just being insured. If you want the right coverage and not just minimum insurance, then you need Taylor & Associates Insurance Agency. Contact us today to get the best coverage at the best rates possible this season!