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Tips To Ensure Your ATV Is Properly Covered


Tips To Ensure Your ATV Is Properly Covered (NAPS)—When it comes to your all-terrain vehicle (ATV), it pays to keep your feet on the ground when it comes to insuring it. You may think it’s covered by your home-owners policy, Read more

RV insurance: Don’t hit the road without it


RV insurance: Don’t hit the road without it (October 2008) If you bought a tractor trailer, you wouldn’t add it to your car insurance policy. It’s a specialized vehicle and needs special coverages and claims handling. So why do more than Read more

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Shedding Light On Car Insurance Savings


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Motorcycle Insurance 101: The Essentials


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Eight Tips For The Road Ahead Be Safe, Be Smart On A Long-Distance Road Trip Whether you’re traveling alone, with a buddy or with your spouse and a car full of kids, there are few things more “American” than the long-distance Read more

Tips To Ensure Your ATV Is Properly Covered

by Edward Pevnick in Special Lines

Tips To Ensure Your ATV Is Properly Covered

(NAPS)—When it comes to your all-terrain vehicle (ATV), it pays to keep your feet on the ground when it comes to insuring it. You may think it’s covered by your home-owners policy, but are you really protected? Your “toy” wasn’t cheap, and lacking the right type of insurance coverage could lead to a sticky financial situation.

“Owners should think of ATVs the same way they think of motor-cycles,” said Rick Stern, product manager, The Progressive Group of Insurance Companies. “You’d never consider getting on a motor-cycle without the proper insurance, and you shouldn’t ride an ATV without the right coverage either.”

If you’re not sure what to do about your ATV insurance needs, here are a few things to consider:

  • Your homeowners policy might not be enough. Most likely, your homeowners policy only covers your ATV if trouble occurs on your property. Anywhere else and you’ll be exposed. Look for an affordable ATV insurance policy that offers coverage no mat-ter where you are. Trail riders should be aware that many states require ATV insurance for vehicles operated on state-owned land.
  • What about theft? ATVs are portable and can be easy targets for thieves. You should consider ATV insurance that provides cover-age for things such as theft, fire and vandalism—just like the kind you can get for a motorcycle. Theft, fire and vandalism are covered by Comprehensive coverage, an optional physical damage coverage.
  • Consider uninsured and underinsured coverage. You never know what can happen in the great outdoors. This relatively inexpensive coverage protects you if another rider causes damage to you and he or she lacks adequate coverage.
  • Keep your rates low. You can do a number of things to save money on your ATV insurance, including maintaining a clean driving record, staying free of claims or choosing a less “sporty” ATV. In addition, most insurers offer a discount if you insure more than one vehicle on your policy, or have more than one policy with the company. This could mean additional savings on your car, motorcycle, boat or RV insurance.

 


RV insurance: Don’t hit the road without it

by Edward Pevnick in Special Lines

RV insurance: Don’t hit the road without it (October 2008)

If you bought a tractor trailer, you wouldn’t add it to your car insurance policy. It’s a specialized vehicle and needs special coverages and claims handling.

So why do more than half of RVers surveyed by The Progressive Group of Insurance Companies add their RV to their car insurance policy?

“We don’t know why, but we know why they shouldn’t,” says Cathy Pelfrey, RV product manager with Progressive.

 For example, what if …

 

 … your RV breaks down on a trip?

While a lot of car insurance policies offer roadside assistance, many may not include coverage for your RV. Even if your policy covers some roadside expenses, it may not cover them all. For example, it may pay for towing only up to the amount it costs to tow a car. RV tows can cost three times more. That means out-of-pocket expenses you’re responsible for paying.


… your RV is involved in a crash?

 Auto insurers typically have someone who normally handles car insurance claims inspect your RV. Specialty RV insurers train claims rep to look for damage and write estimates specific to RVs. They also work with repair facilities that know how to repair an RV and guarantee the work.

 

… the stuff in your RV is stolen?

 You may keep things inside your RV that you never keep in your car like jewelry, laptops and camcorders. Your auto policy won’t pay to replace these items if they’re lost, stolen or damaged. Specialty insurers offer “personal effects” coverage that will pay to replace them if they’re used with your RV.