From muddy trails to blankets of snow, your off-road vehicle was made to take on rugged terrain. For you, the rewards outweigh the risks of owning and using your four-wheeler or sled, but that doesn’t mean you go without the coverage necessary to protect against loss. At Midwest Insurance Solutions, we offer insurance for off-road vehicles, so you can ride your ATV, UTV, or snowmobile with confidence knowing you are covered.
Risks of Ownership
New off-road vehicles can cost as much as $10,000 or more, and used vehicles can set you back thousands, as well. By investing in the purchase of an ATV or snowmobile, you are putting your money into an asset that could quickly lose its value if damaged, destroyed, or stolen. Even when your four-wheeler or sled is stored away for the off-season, there is always the risk of theft or damage due to non-collision events, such as fire and wind.
Risks of Riding
Once you crank up the engine on your off-road vehicle, you take on even more risks as a driver. Not only are you responsible for the safety of you and your passengers, but you are also responsible for the safety of others. Even a seasoned driver can make grievous errors that result in victim injuries or damages to someone else’s property – all of which could result in litigation. Insurance cannot stop bad things from happening, but it can give you the resources you need to get through a difficult time and potentially avoid financial ruin.
Types of Coverage
There are many different types of protections included in most ATV, UTV, and snowmobile insurance policies. Exact coverages may vary depending on your insurer, the type of vehicle you drive, and your individual preferences, but a typical policy may include:
Physical Damages Coverage
Physical damages insurance helps you protect your purchase by compensating you for the cost of your covered loss. Claims for damages to your vehicle are usually subject to your deductible, but being insured could spare you thousands in out-of-pocket losses.
Accessories and Enhancements Coverage
Unless your ATV or snowmobile looks exactly like it did when it came off the factory line, you probably need additional coverage for your after-market part and modifications.
Liability
Even responsible and cautious riders can find themselves precarious situations. If you cause an accident while operating your ATV, UTV, or snowmobile, you may have to pay for the ensuing damages. Victims may sue you for their losses, from property damages to medical bills. Make sure your liability coverage limits are high enough to cover legal fees, judgments, and settlements and reduce your risk of out-of-pocket liability costs.
Uninsured Motorist
Imagine riding your ATV on a popular trail when another rider hits you and sends your four-wheeler into a tumble. You are badly injured, but the rider has no insurance to cover your medical expenses. With uninsured motorist coverage, you can file a claim against your policy for injuries caused by an uninsured driver.
West Des Moines, Iowa ATV, and Snowmobile Quotes
At Midwest Insurance Solutions, we understand the plight of off-roaders and the risks you face owning and operating your vehicles. We can help you compare coverage options from multiple Iowa insurers and find the quality protection you need at a competitive price. Contact our office to find out how an independent agency can help you save. Request your ATV, UTV, or snowmobile insurance quotes today.
