2 Great Reasons Why You Should Invest In ATV Insurance

Hey guys, Jason, here at 303 Insurance Brokers, and I wanted to share with you another awesome insurance tip of the day. In today’s insurance tip is all about Dirt Bikes and ATV Insurance. You know it’s spring here in Colorado. Summer’s right around the corner, and we have a lot of people pulling out their dirt bikes and ATVs out of their garage. They’re going to go enjoy them out in the wilderness.

2 Huge Benefits From Getting Dirt Bike and ATV Insurance

We live in a great state to be able to go do that. Many clients that I talked to have dirt bikes and ATVs. They’ve never been asked if they want to insure them before. They often ask what’s the benefit of having dirt bikes and ATVs insurance. I tell you what, there’s a huge benefit, especially from a liability perspective.

Protect You From Liability Lawsuit

So if you’ve got an ATV, if you’ve got a dirt bike and you ever have other passengers riding on them that aren’t family members, or you loaned them to a friend or let a buddy ride them or anything like that. You want to carry liability insurance. You are liable because it is your dirt bike. If they do something and get injured, you could have a huge exposure.

Protect Your Vehicle

So it’s a dirt bike ride, ATV’s worth a lot. We can cover for Comprehensive and Collision Coverage will protect your vehicle. The coverage would replace your car on an actual cash value basis if it were to be totalled in a loss. Whether an accident or stolen, held on or anything like that, just like we do with Auto Insurance. 

How much is Dirt Bike Or ATV Insurance Cost?

But what the message I want to deliver is that we want to make sure that there’s liability coverage on that vehicle. Even if we’re not using it on the road, even if we’re using it off-road or something like that, policies are usually pretty inexpensive.

What is Liability Insurance?

It’s almost a no-brainer. Just for that bit of protection, you would want to use an insurance company to protect you. If somebody is coming after you from a lawsuit because they were operating your vehicle, they got injured. They want to hold you liable. That’s why we call it liability insurance.

So if you’ve got a dirt bike, you’ve got an ATV. You don’t have insurance for it yet. Talk to me, let’s talk about the pros and cons of getting your Dirt Bike or ATV Insurance, and we can make a great decision together—Jason, with 303 Insurance Brokers.