As outdoor motorsports are becoming more popular, the insurance policies for these vehicles have evolved to become more sophisticated. Whether you are a hunter, trail-rider or just use your off-road vehicle for fun, there is a policy to protect you, your vehicle and those around you. Similar to auto insurance, ATV insurance covers collision and comprehensive insurance. Collision insurance as the name suggests provides coverage from damages caused by a collision whereas comprehensive provides coverage for non-collision damages such as vandalism, theft and more. There is also coverage for bodily injury liability and underinsurance coverage.
According to the Insurance Information Institute, having ATV insurance might be a legal requirement depending on where you ride. The law in the state of Georgia states that all motor vehicles on the road are subject to uniform rules of the road which essentially means liability insurance for ATV is required in the state of Georgia.
Regardless of whether it is required by the state, it is a good idea to have ATV insurance. Not only does it protect against damages to you and your vehicle but it also protects you from liability if you end up hurting someone else or damaging their property. Secondly, If you have taken a loan to purchase your ATV, that lender will require you to have it insured. In any case, the ATV is your investment, and you should protect it.
The sport of off-road motorsports has a higher probability of collision or accident than regular vehicle making for ATV insurance being more important. There is also the fact that ATV spare parts might be more expensive than regular auto parts. Any repair is going to be very expensive.
Peter Laczko Insurance Inc. serving Woodstock, GA is your best guide to ATV insurance. Not only will they navigate you to the most suitable ATV insurance but also educate you on the rules and regulations of the state of Georgia. For residents of Woodstock, GA, you can contact Peter Laczko Insurance Inc. through the contact information available on their website.
