ATV insurance can offer financial protection for damages, accidents, theft, and injuries, and having insurance often comes in handy when an unexpected situation occurs. Pennsylvania requires that all ATVs be registered and have minimum insurance coverage. However, the law doesn’t state a specific amount of coverage that’s required. To get more specific information about ATV insurance in your area, you can contact the Henderson Insurance Agency, which is serving Harrisburg, PA.
Pennsylvania requires you to have at least liability insurance on your ATV. If you’re at fault for an accident, this type of insurance helps cover the costs of property damage or bodily injury. Liability insurance also helps cover your legal fees if you’re sued as a result of the accident. For further protection, you may want to consider getting other types of coverage to supplement liability insurance, such as collision coverage, comprehensive coverage, and underinsured/uninsured motorist coverage.
Collision coverage helps pay for damages to your ATV, regardless of who was at fault in the accident. There is often a deductible, which is a set amount that you have to pay out of your pocket before the insurance pays for the remainder of the repair costs.
If you want protection against theft, vandalism, and weather damage, look into getting comprehensive coverage. This coverage pays for damage to your ATV caused by something other than an accident.
Uninsured/underinsured motorist coverage is helpful if you let other people ride your ATV. This type of coverage helps pay for expenses if another rider causes an accident and doesn’t have the necessary insurance to cover the damage.
When you’re trying to decide exactly how much coverage you need, there are a lot of factors to consider. Contact the Henderson Insurance Agency, which serves the Harrisburg, PA area, to chat with a knowledgeable person about crafting an insurance policy that meets your needs.