The off-roading potential in Missouri is endless. Whether you love the challenge of taking a 3-wheeler for a spin through the mud pits at Outlaw Off-Road Park or riding a side-by-side across the Big River Sand Drags, make sure you have the protection of an ATV insurance policy. ATV insurance applies to more than just a standard four-wheeler - this insurance can help protect a UTV, side-by-side, or three-wheeler. But before you buy a policy from the first insurance company to give you quotes, consider all the ways this coverage could protect you and how much it could potentially cost.
Riding the Missouri trails on a four-wheeler or side-by-side can be fun, but it is important to remember that accidents sometimes happen. If you are involved in an accident that leads to serious property damage or bodily injury, do you have the proper coverage to ensure that you do not suffer financially? A comprehensive ATV insurance policy can provide you with all the coverage you need at an affordable rate.
Although some states have laws that require ATV owners to carry insurance, with the exception of two-wheeled motorized vehicles including dirt bikes and motorcycles, Missouri does not. This may lead some residents in the state to question why they should purchase non-mandated coverage.
Lack of ATV insurance coverage can result in financial loss if your ATV is stolen or damaged or if you are involved in an accident, particularly if you are responsible and the accident results in serious injuries to another person. Whether you use your ATV for trail riding, hunting or agricultural purposes, having ATV insurance is an important step toward protecting your finances and your investment. Furthermore, some Missouri ATV parks will require you to show proof of insurance before you use the trails.
Many people assume that their homeowners insurance will provide them with all the coverage they need for their ATV, but homeowners coverage is usually very limited and may only be applicable if the accident, theft or damage occurs while the ATV is on their own property. For complete coverage that you can count on, you need a suitable ATV insurance policy.
All ATV insurance policies include, at a minimum, liability coverage. This protects you by covering any bodily injury or property damage costs accrued by a third party if you are at fault for an accident while operating your ATV. This coverage includes lost wages for the injured party as well as your court costs and legal fees for you if legal defense is necessary.
You can choose other coverage options with your policy including the following:
Most people pay less than $1 per day for their ATV insurance coverage. How much your policy will cost depends on several factors including the following:
The only way to be sure how much an ATV policy will cost you is to request a quote from an insurance company. Be sure to ask your insurance representative whether the insurance company offers any policy discounts. You may qualify to save a significant amount of money.
Most insurance professionals recommend that you obtain a minimum of three quotes before selecting any type of insurance policy. Independent agents in the Trusted Choice® network can make comparison-shopping easy by presenting you with a selection of ATV insurance quotes.
Find an agent in your Missouri neighborhood now to see how working with Trusted Choice can give you an advantage.