A dusty trail and the wind in your hair - a carefree ride on your all-terrain vehicle (ATV) is all it takes to clear your head. Riding safely means more than just wearing protective gear and watching out for other riders.
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You also need ATV insurance in the event your ATV is damaged or stolen, or if someone gets hurt. Fortunately, AA Lares Insurance Services specializes in a variety of coverages for your ATVs and other hard-to-insure toys.
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UNDERSTAND YOUR ATV POLICY
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In the State of California, any vehicle that is registered for public roadways must carry liability insurance coverage. This includes Motorcycles, ATV's, and even registered golf carts. Besides that basic reason, there are also a lot of other reasons why ATV insurance is important.
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Bodily Injury & Property Damage Liability - Pays for injuries to people or damage to property caused by your ATV.
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Uninsured / Underinsured Motorists - Pays for injuries and damages you sustain - such as medical treatment and lost wages that the at-fault party is legally responsible for - in an accident caused by someone who doesn't have insurance, or doesn't have enough insurance.
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Comprehensive - Covers damage to your ATV arising from fire, theft, and vandalism.
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Collision - Covers damage to your ATV if you hit another ATV or other vehicle, a tree, rock, or another obstacle.