There are many types of all-terrain vehicles designed for off-road adventure and fun. From rugged single-rider 4x4s to high-performance side-by-sides that seat as many as six people, owners of these powerful ATVs and UTVs need reliable insurance to help mitigate the risks associated with use and ownership. Whether you spend your time exploring new trails or hauling loads on your private land, look to Sagan & Associates for coverage that is strong and reliable – just as it should be.
Making ATV and UTV Insurance Affordable
Insurance is about protecting your finances – not draining them. At Sagan & Associates, our allegiance is to our customers. As an independent agency, we shop around on your behalf, helping connect you to an insurer that provides the coverages you need at the affordable, competitive prices you deserve. We can also look for ways to maximize your savings, such as by exploring available discounts for ATV riders. Examples include savings for insuring multiple vehicles on the same policy, enrolling in rider safety courses, or choosing to pay your policy in full.
Our goal is to provide comprehensive insurance solutions with the same friendly service you would expect from a small, local business here in the greater Brodhead area.
The Importance of Custom ATV Coverage
Here in Wisconsin, ATVs and UTVs are often used seasonally and stored away during harsh winter months. When you obtain coverage through a local independent agent at Sagan & Associates, you are getting customized insurance options suited to your needs, whether you put miles on your 4×4 every weekend or store it in your garage. With personalized Wisconsin ATV/UTV insurance, you can be covered for a wide range of risks, whether your off-road vehicle is stolen, damaged, or you happen to injure someone while riding. The same cannot be said of homeowners insurance alone, which may only provide minimal protection for specific incidents that occur on your own property.
Types of Coverage Available to ATV and UTV Owners
ATV/UTV insurance can provide a wide range of benefits for owners. Examples include:
Physical Damages Coverage
Off-road vehicles are at high risk of damage, whether due to collision or some other event, such as a falling object, inclement weather, or vandalism. Repairs can cost thousands of dollars, and depending on the extent of the damage, your vehicle could be a total loss. Why pay to replace your four-wheeler out of pocket when you can purchase ATV or UTV insurance that covers much of the cost instead? With physical damages coverage, insurance can compensate you for the loss value of your vehicle minus the cost of your deductible, which is the amount you agree to personally contribute toward physical damage claims.
When you are at-fault for an accident, you can be held financially liable for the damages – regardless of whether you have insurance or not. Unlike damages to your ATV, for which you know how much you stand to lose in an accident, liability damages can skyrocket when you are responsible for causing an accident. Imagine being sued for another rider’s medical bills, lost wages, and ATV damages. Could you afford to pay tens or even hundreds of thousands of dollars out of pocket in compensation costs?
ATV/UTV insurance typically includes two primary types of liability protection – property damage liability and bodily injury liability. The first helps cover the cost of physical damages caused to someone else’s property as a result of your negligence while riding. This could be damage to a fence or vehicle, or it could be damage to another ATV in a collision. The second helps cover injury-related expenses for victims up to the limits of your policy. This could be the cost of calling an ambulance, visiting an emergency room, undergoing medical procedures, or even attending physical rehab.
Injury to You and Your Passengers
If you get hurt while riding your ATV or UTV, make sure your own injuries are covered, too. If someone else’s negligence causes your injuries, they can be held liable for your expenses. Unfortunately, you may be hurt by someone with no insurance or too little coverage to pay for your costs. Uninsured/Underinsured coverage can help you recover injury-related expenses in these types of circumstances. You may also be able to add medical payments coverage to your policy, which can provide payment to you and your passengers when you are injured in an ATV/UTV-related incident – regardless of who is at-fault.
Equipment and Accessories Coverage
ATV and UTV riders often customize their vehicles with equipment and accessories designed to enhance the visual appeal and also improve the ride and its functions. Make sure your insurance covers you for the cost of upgrading your off-road vehicle with custom parts and equipment, including plows, winches, and racks.
How Do You Choose the Right ATV/UTV Insurance?
When you choose Sagan & Associates Insurance, we do the hard work for you. Our team can assess your risk exposures and help make coverage recommendations based on many different factors, including how often you ride, where you ride, who rides with you, and the value of your ATV or UTV. We also take into account the purposes you use your off-road vehicle for and the value of income and assets you could be at risk of losing in an ATV accident-related lawsuit. Our goal is to minimize your risks so you can enjoy the freedom of every ride.
For more information about Wisconsin ATV and UTV insurance, contact our office to request your quote today. We look forward to serving you soon.