Enjoy Your ATV, But Don’t Go Uninsured Fairport NY

Of course, by ‘naked’ we mean uninsured/underinsured.

Don’t do this naked.

by Jeb Foster

Heavy metal, high speeds, variable terrain, unpredictable weather.

We face this mix of conditions every day when we get behind the wheel of a car. And that is why having car insurance is a no-brainer.

However, when it comes to driving ATVs, an activity that encompasses—you guessed it—heavy metal, high speeds, variable terrain and unpredictable weather, many people don’t think about insurance. Silly, isn’t it?

In a June 2008 press release, the National Association of Insurance Commissioners, a non-profit organization of state insurance regulators, cautioned drivers of all-terrain vehicles:

[ATVs] are also not covered by standard automobile insurance policies; however, your homeowners policy might partially cover your liability on an ATV. Ask your insurance agent or company if this coverage is enough to protect you and your family. You might want to consider a separate ATV policy to make sure you are properly insured.

What’s more, many states require minimum levels of liability coverage if you drive your ATV or quad on state-owned land. If you have an ATV and are unsure about your insurance situation, call your agent for some advice. ...

Click here to read the full insurance article from Insureme.