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  • Know Your Options, Know Your Agent

    Know Your Options, Know Your Agent

    Maine Insurance Agency™ has served clients in Maine for over 110 years. Since 1905 and to this day, it continues as a fourth generation family run agency that is deeply rooted in tradition and our communities. As an Independent Agency and recognized as a Trusted Choice Agency, we are able to deliver a personalized portfolio Read More
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    The Dangers of Texting while Driving

    Sixty two percent of high-school students admit to texting while driving, according to a survey by Students Against Drunk Driving and Liberty Mutual Insurance. Of these young texters, one in four believed there’s nothing unsafe about it.    On the other hand, the National Highway Traffic Safety Administration (NHTSA) blames the use of cell phones Read More
  • Benefits of Choosing an Independent Insurance Agent like Maine Insurance Agency

    Benefits of Choosing an Independent Insurance Agent like Maine Insurance Agency

    Every day you are bombarded with ads about insurance. A talking lizard (really we don’t get it either) says buy direct from him. Another ad tells you you’re in good hands. Another equates insurance to a box you can pull off the shelf. There are so many insurance ads that it’s hard to know which Read More
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ATV Insurance for the Fun in Your Life

Insure Your Off-road Vehicles in Maine 

Your ATV probably represents both fun and work to you. Insuring the vehicle may be the last thing on your mind. You should be wearing a helmet when you ride, usually on land you are familiar with, so why insurance. All-terrain vehicles are fun to drive, and they can be handy for hunting and farming and any number of other activities or work situations. But, they are vehicles that can be somewhat unpredictable, which is how they earn the “all-terrain” part of their name. That’s why it’s always smart to insure your ride. 
There are several basic steps when considering ATV or 4-wheeler insurance: 
 
 Classify the vehicle: How many wheels does it have? Is it for off-road or can you ride it on roads? Is your ATV made for passengers? Perhaps you plan to use it purely for recreation or rather as a work vehicle around your farm or home. You’ll likely answer these questions when buying the vehicle, but you’ll have to know these answers when purchasing insurance. 
 Know the state laws: Many states require ATV insurance if the vehicle will be used on public or private property the driver doesn’t own. Some states require insurance for vehicles operated on state-owned land. In Maine, you are not required to have ATV insurance. But that does not mean you shouldn’t have insurance.
 
 Contact Maine Insurance Agency:  We’ll help you determine the ATV insurance that is right for you, based on many factors including how you will use the vehicle and who will be driving it, among other things. 
 
As with other vehicles, there are four basic types of coverage you can add to your ATV or 4-wheeler insurance, depending on how much risk you want to assume and how much protection you want from the insurance company. You will be responsible for the deductible, and your insurance will pay the rest, up to its limits. 
 
Bodily injury and property damage liability covers injuries to people or property caused by your ATV (when you are at fault). This coverage is important to protect yourself in the event of a lawsuit since it protects your assets up to the policy limit. 
Collision coverage will pay when significant damage occurs in a crash with another ATV or vehicle, rocks or logs on the trail, fences and other debris. Normal wear and tear associated with off-road riding, such as dents and non-structural damage, would not be covered. 
Comprehensive coverage protects you if your ATV is damaged by something other than a collision (fire, theft, vandalism, hail, animals or flying objects). 
Uninsured/underinsured motorist protects you from ATV owners who don’t have enough insurance or any at all. Considering the varying state requirements, it’s smart to protect yourself from these situations. It will cover medical bills and lost wages. 
 

Insure Your ATV, then Enjoy the Ride. Call us for a quote today.