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.