When you are out four-wheeling on your quad bike, or riding up a steep trail on your 3-wheeler, filing an insurance claim may be the furthest thing from your mind. Whether you collide with another ATV, get it stuck in a muddy river, or overturn your vehicle on a steep mountain trail, you’ll need to know when and how to file claims.
It's a good idea to be familiar with the particular circumstances where you may need to file a claim on your ATV insurance policy and how the claim process works. When you need quotes, advice, or assistance, contact an agent in the Trusted Choice® network. These agents are well-versed in every aspect of vehicle insurance, from ensuring that you have the right coverage for your needs to helping you with the claim process.
When something goes wrong on your ATV, your insurance can be a major help to you. If you collide with another ATV driver, depending on who is at fault, your collision, medical payments, or liability coverage could come into play. If a vehicle is stolen or damaged by a cause other than a collision, your ATV insurance claim would be based on the comprehensive portion of your policy. If you are in an accident caused by another driver who is not insured or does not have enough insurance to pay for damages and your medical costs, you will need to rely on your uninsured/underinsured motorists coverage, if you've opted to purchase it.
An independent agent in the Trusted Choice network can explain your coverage and how it would help you after an incident with your ATV. Depending on your package of coverage, you may have more or less insurance protection than described above.
Use the following handy checklist to ensure that you have everything you need in the event of an accident or injury out on the trails. The items you should have on-hand include:
If you are in an accident out on the trail, there are a few important steps to take:
In the event that your ATV is stolen or vandalized, make a list of things that were stolen or damaged. If possible, make copies of the receipts for those items to show their value. If your quad bike or 3-wheeler is damaged, take pictures of the damage and provide these along with any information you may have about what happened to your agent.
Be as detailed as you can in describing what happened. Give your agent copies of the photos and police reports.
Your agent will use all of the information you provide to file ATV insurance claims for those on your policy that were involved in the accident, and to work with the other party’s insurance company if another person was involved.
Your agent will have a claims adjuster assess the damage to your vehicle. The adjuster will determine the cost to repair your vehicle. If the cost of repairs exceeds the pre-accident value of the ATV, the vehicle will be considered a total loss.
After the adjuster has made an assessment, your agent will review your policy coverage. At this point, your agent will let you know the amount of the settlement.
Claims can be denied for a number of reasons, but the most common reason is a lack of coverage or not enough coverage. For example, if you purchase liability-only coverage, you will not be able to file a comprehensive or collision claim if your off-road vehicle is stolen, vandalized or damaged in an accident.
Before you get on your ATV, know what your policy covers and what it does not cover. State minimum requirements, if they even exist, are not likely to be enough to cover many of the potential claims you may file. You may want to consider enhancing your policy to include an adequate amount of liability insurance to cover damages to another person or property.
Another reason for a denied claim can be that you are filing an ATV accident claim against your auto policy, when your ATV is not covered under that policy. Many people mistakenly believe that all their vehicles are protected under their auto policy, but you must insure quads and 3-wheelers separately.
Insurance fraud is another reason for a denied claim. Make sure when you file a claim that all of your facts are in order, and that you accurately report damages and injuries, and the causes of those claims.
Fraudulent claims occur when an insured person stages an accident or theft, falsifies losses or exaggerates damages. If you collide with another vehicle, it is important to photograph the damage to both vehicles. This will help to prevent an exaggerated claim regarding the amount of damage.
For questions about ATV insurance claims and other questions regarding quad and 3-wheeler insurance, contact an agent in the Trusted Choice network. A local member agent in your area can help to review your current policy or ensure that you get the right policy in place for your needs.