Do you really need ATV insurance? In many cases, you may be legally required to have ATV insurance. If you aren’t, it’s still a good idea. If you are in Woodstock, GA, you can purchase insurance form Peter Laczko Insurance Inc.
When ATV Insurance is Required
Full coverage ATV insurance may be required if you have a loan for your ATV. This is to protect the loan company’s investment. If you total your ATV and you default on the loan, they have no way of recouping their losses. You may also be required to have ATV insurance under certain state laws. Georgia law states "All-terrain vehicles operating on the highway are motor vehicles and subject to the uniform rules of the road". This means that if you ride your ATV on a highway, you are legally required to have liability insurance.
Do I Need it Anyway?
So you aren’t planning on riding on the road, and you don’t have a loan that requires you to have insurance. Do you still need it? Yes, you do. For a few reasons.
The first is a liability. Accidents happen, even on trails or in the woods. You take down someone’s fence while riding, you are liable for it. A passenger falls off and gets injured while riding, you are liable. You run into someone spectating, you are liable. Any of these situations can easily add up to big bucks.
Don’t think just because you don’t have the assets to cover it that you will be in the clear either. The court can and will arrange payments for as long as it takes.
Secondly, your ATV is an investment that would likely be hard for you to replace financially. If you don’t have the cash available to repair or buy another one in the event of an accident, theft, or act of nature, you need full coverage.
Lastly, don’t skip the uninsured motorist. Most people that ride ATVs do not insure them. If you are trail riding and someone runs into you, you may be stuck with the damage to your ATV and medical bills.
If you need ATV insurance in Woodstock, GA, contact us at Peter Laczko Insurance. Our agents can talk to you about the best policy for your needs.