Washington State is one of the top states in the nation for ATV riding and enjoyment. With a large amount of forested areas, sandy beach dunes, dirt racing tracks and large open spaces, ATV use is popular in the state. But riding ATVs, or racing ATVs or dune-riding ATVs at high speeds can become incredibly dangerous, which is why having ATV insurance in place is important. Before you start shopping for quotes, make sure you read the information below to see why you need and should have the protection of ATV insurance.
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Washington ATV Facts
- There are more than 20 different areas for ATV use in throughout the state of Washington.
- Between 1982 and 2011, there have been over 150 reported deaths involving ATVs.
- In 2010, there were 115,000 ATV-related injuries across the nation.
What Does ATV Insurance Cover in Washington State?
ATV insurance offers you coverage from some of the most common risks you face as a WA ATV rider. A typical ATV insurance policy may cover the following:
- Liability: This insurance is often the most important. Liability insurance can offer coverage to the damaged party in case you are at fault for an accident while using your ATV.
- Collision: Much like vehicle insurance, this coverage can help cover damage to your vehicle due to an accident with another rider or object.
- Comprehensive: Lending institutions typically require this insurance to protect their investment – and yours. Known as "everything other than collision," this insurance can cover damage from weather-related events, theft and even arson.
- Uninsured or underinsured motorist: Unfortunately, many ATV users in WA don't carry ATV insurance. This coverage reimburses you for repairs in case you are in an accident and the other party doesn't have sufficient insurance coverage in place to cover the accident.
What Types of ATVs Are Covered?
Insurance agencies understand that there are many different types of ATVs – stand-ups to four-wheelers – on the trails in Washington. Below, we've compiled a list of some of the most common types of ATVs that insurance can cover:
- Racing ATVs
- Sport ATVs
- Side-by-side ATVs
- Single person ATVs
- 3-wheeler ATVs
If you have an ATV other than one of the ones mentioned above, you may still be able to get insurance coverage. Be sure to speak with an insurance agent to get specifics on the policies that may be available to you.
What Factors Affect ATV Insurance Quotes in Washington?
When it comes to ATV insurance, rate quotes in WA depend on a number of factors, including the following:
- Type of ATV
- Size of ATV
- Age of ATV
- Value of ATV
- Where ATV will be used
- Where ATV will be stored
- Driving record of owner
- Whether ATV is financed
Insurance providers use all of these factors, including many more, to determine your coverage needs and your quotes.
Are There Discounts Available on ATV Insurance in WA?
Just like other types of insurance policies, an ATV insurance policy can offer you discounts depending on your individual situation. Available discounts may include the following:
- New customer discount
- Loyal customer discount
- Multi-policy discount
- Good driver discount
- Professional/industrial affiliation discount
- Lay-up policy discount
Be sure to ask about any discounts you may be eligible for.
Will Homeowners Insurance Cover ATVs?
Homeowners insurance may cover your ATV while the vehicle is inside your garage, but when you tow or ride the ATV, your homeowners insurance will not cover any incidents. It's important to make sure that you have high enough ATV insurance limits to cover all of your assets.
How To Obtain ATV Insurance in Washington
Getting ATV insurance in Washington is an important part of being a responsible ATV rider and owner. The coverage can help you get peace of mind in case of an accident, disaster or crime. A Trusted Choice® agent is always available to discuss coverage, suggest discounts and even help you file a claim should an accident occur.
For more information on getting quotes and securing coverage, contact your local Trusted Choice agent.