Category Archives: ATV Insurance

What ATV Insurance Actually Covers

All terrain vehicles, or ATVs for short, are certainly fun to drive. Some are used for work purposes, such as around the farm or hunting. However, most ATVs are purchased as recreational vehicles for weekend fun. Regardless of how you use your ATV, it is important to consider purchasing an ATV insurance policy in order to protect yourself when the unexpected happens to occur. Many ATV owners are under the false impression that they are fully covered under their homeowners or automobile policies. The following information will show you how important ATV insurance is, and what it actually covers.

Bodily Injury Liability

This coverage pays for damages associated with any other parties that are injured or killed in an accident associated with your ATV or off-road vehicle. It will also cover any legal fees resulting from litigation against the policyholder. In both circumstances, this part of ATV insurance will cover up to the claim limits of the policy. The limits of bodily injury liability are typically an amount per person and a total amount per accident, regardless of the number involved. In order to avoid injuries and liability claims related to an ATV, there are a number of things owners can do. Keep your ATV garaged or secured so that only those with permission and supervision can ride it.

Even if someone does not have permission to ride an ATV, you may be found liable for his or her injuries suffered while riding it. It is also extremely important to follow the guidelines of every ATV. Failure to adhere to them might compromise the vehicle’s performance or the rider. For example, every vehicle has weight restrictions. That means you should never overload any haul or cargo. Most four-wheelers are designed for one person. Ensure that the driver is the appropriate size for the ATV. Last but certainly not least; no one should ever operate an ATV under the influence of drugs or alcohol.

Property Damage Liability

This coverage is similar to bodily injury liability, except it pays for the cost of any damage an ATV driver might cause to another person’s property. This includes personal property, including any belongings, as well as their home or yard. Property damage liability also has a claim limit per damage incident. The limit is typically as much, or lower than the per-person limit of the ATV policy’s bodily injury liability insurance. For example, if an ATV or UTV insurance policy has a bodily injury limit of $25,000 per person/per accident, the same policy’s property damage limit might be $25,000 or lower.

Medical Payment

This coverage is optional. Medical payments coverage pays for any medical expenses incurred by people riding your ATV. It will cover things like surgeries, X-rays, a hospital stay, and even transportation via ambulance.

Uninsured/Underinsure Motorist

This coverage is optional. In the event that you or someone riding your ATV are injured by someone else who either does not have insurance, or not enough of it, these coverage’s will pay for your expenses. Typically, if someone else were at fault for your injury or damages, their insurance company would cover those costs they are responsible for. However, even when insurance is required by law, some individuals might fail to purchase it. Uninsured/underinsured coverage for ATV insurance also has claim limits. Like bodily injury liability, uninsured and underinsured motorist coverage’s have limits per individual and per accident.

Collision

This coverage is optional. It pays to repair any damages to your ATV caused by a collision with another vehicle. It also covers damages if your ATV overturns. Policyholders choose a deductible, which is the amount they pay before their insurer begins to cover cost. The insurance company will cover up to the value of the ATV. In order to keep premiums low, an owner of an ATV with a low value might choose to forgo this coverage, so you may want to determine how much your ATV is worth before adding it to your policy. Collision coverage is often required of owners who financed the purchase of their ATV or are leasing it.

Comprehensive

This coverage is optional. Comprehensive coverage pays for damages to an ATV that are not caused by a collision with another vehicle. It also covers losses due to theft, vandalism, flooding, earthquakes, fires and other issues. Just like collision, comprehensive coverage has a deductible. For example, if someone steals your ATV, you could file a comprehensive claim and your insurer would pay up to the cash value to replace it.

In conclusion, an ATV insurance policy is a smart choice for any ATV owner. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your ATV insurance policy and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs.

New Year, New Insurance

How to Get Lower Rates on Your Insurance

As the New Year approaches, one of your resolutions may be to find more ways to save money. You can do this by rethinking your insurance policies. It’s always a good idea to do an annual insurance review, because you might discover that you could be eligible for discounts and other savings that you aren’t currently taking advantage of!

For example, if you have an older car, you may have had the same car insurance for years. But did you know that your rates could be lowered based on any changes that have happened recently? For instance, if you changed jobs and don’t commute as far, that can affect how much you pay. And most likely, it will reduce the cost.

More Ways to Save on Homeowners Insurance

Also, you might be eligible for discounts to your Homeowners Insurance if you recently installed a security system or quit smoking. If you started bundling all of your insurance policies with one company, they’ll most likely give you discounts for that, too.

How to Do an Annual Insurance Review

Take time before the New Year to collect all of your insurance policies, whether it’s home, auto, renter’s, motorcycle, etc. Usually you can find the basic information on the summary page of your policy. Here’s what to look for: the amount of coverage, your premium costs and your deductible. Keep in mind, if you want to lower your premiums, you’ll be raising your deductible. First, you should make sure you can afford the deductible amount if you have to make a claim.

Could You Rebuild Your Home If You Had To?

This is an important question when you’re reevaluating your home insurance. The reality is, construction costs could be much higher than when you first took out your insurance policy. Also, remember that insurance companies will tell you that if something major needs to be replaced, it will be replaced with something of “like kind and quality.” Your kitchen may still look like the 1980s. If you needed to upgrade your kitchen with more contemporary cabinetry and appliances, you’ll need to be able to cover that cost.

Did You Purchase Valuable Items?

In the past year, you may have purchased jewelry or other very valuable items that you may not have extra coverage for. Do an inventory to make sure you haven’t forgotten that priceless painting! If you discover that you did buy something like that, you’ll need to increase your coverage for “personal possessions.”

Is Your Home More Likely to Flood?

When you purchased your house, it may not have been in a flood zone at the time. But in recent

years, have you had more damaging storms and repeated flooding in your basement? It may be time to consider getting flood insurance, even if it wasn’t required.

What Umbrella Insurance Can Do for You

Last but not least, consider umbrella insurance. It’s a low-cost way to get extra protection for things like your retirement fund, investments and any future income, which may all be lost as the result of a lawsuit. Many people don’t think about liability coverage until it’s too late. So umbrella insurance will help protect you above and beyond your standard home and auto insurance coverage.

For all your home, auto and other insurance needs, please contact Zawada Insurance Agency. We work to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

ATV Insurance: The Basics of Coverage

ATV Insurance: The Basics of Coverage

If you are planning on taking your all terrain vehicle out for a ride, make sure you have enough insurance coverage. Like motorcycle insurance, ATV insurance is necessary because it is a somewhat dangerous activity. And the riskier an activity is, the greater the chances of an accident.

What Does ATV Insurance Cover?

All terrain vehicle insurance covers the costs associated with accidents and theft. It pays for necessary repairs, lawsuits or injuries resulting from an accident.

Types of ATV Coverage

Basic coverages include:

Collision – Pays for repairs after an accident.

Comprehensive – Pays for damage to the ATV if the damage occurs because of something besides an accident (if a tree falls on it, vandalism, etc.).

Liability – Covers bodily injury.

Uninsured or Underinsured Motorist – If you are hit by someone who doesn’t have enough insurance to cover your medical and other expenses.

How High are the Premiums?

Your premium is determined by a number of factors, including your driving history, age, gender, credit history, how fast your ATV can go (maximum speed) and where you will be driving it. For example, if you use your vehicle in a forest area with hills and other obstructions to your visibility, it is more dangerous than if you use it on wide open dunes and other open spaces where you have better visibility.

What if You are in an Accident?

Be sure to take photos or get some documentation at the time of your accident. This will help your insurance claims adjuster. The adjuster will figure your compensation based on the amount of coverage you have, what type of damage you have incurred, and your deductible.

NOTE: Not all states require ATV insurance, so you’ll have to look at the laws that are applicable for the state in which you live. Massachusetts has tough laws governing ATV safety, so you’ll want to consult with insurance professionals to make sure you have adequate coverage. According to the Minnesota Star Tribune, Massachusetts is the “toughest in the nation,” when it comes to ATVs. Because of the number of fatalities, accidents causing head injuries, and other tragedies, the state has cracked down on laws associated with ATVs.

For example, no child under the age of 10 can ride an all terrain vehicle. Any child younger than 17 cannot ride a vehicle that was designed for adults. And finally, there are no exceptions to these laws even if there is adult supervision. That goes for special training courses as well.

Massachusetts has drafted these laws in an effort to improve safety, so you can be sure that your insurance company will be looking at what safety measures you’ve taken when purchasing a new all terrain vehicle for yourself.

Zawada Insurance Agency helps you find the most affordable insurance for home, auto, boat, and many others. We work to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.