Let Us Find the Right ATV Insurance for Your needs! Call RCI Insurance Group at 918-341-6081 For a Quote Today!
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Although an ATV is designed for rugged terrain it can still flip over…
For example, John and Susan decided to go for a spin on his ATV in the woods. Everything was going fine, when suddenly, John took a curve too sharply, causing the ATV to flip over, throwing both John and Susan from the ATV. As a result, Susan suffered serious injuries and had to spend 3 days in the hospital, with a broken leg and a brain injury. So, would John be covered for Susan’s injuries?
ATVs are mostly driven on rugged terrain because their very sturdy frames are built just for this; but being built to ride over large rocks, muddy terrain, and patches of water, does not mean the ATV can’t flip over, hurting you or someone else severely. If you are going to ride an ATV, it’s best to have the RIGHT protection with a separate Oklahoma ATV Insurance policy.
Available Oklahoma ATV coverage includes (but not limited to):
- Bodily injury and Property Damage liability– ATV insurance coverage offers Bodily Injury and Property Damage Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage, under your Oklahoma ATV insurance policy, also protects your assets, up to the limits you choose.
- Collision– Collision coverage pays for physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a fence post, or some other obstacle. You are required to pay the deductible you selected; however, your Collision coverage will pay for the rest.
- Comprehensive– In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it’s caused by an event other than a collision. For instance, if fire, theft, vandalism, flooding, or an animal damages your ATV, Comprehensive coverage will likely apply. You are responsible for paying the deductible you selected, and your Oklahoma ATV comprehensive insurance coverage will cover the rest.
- Medical payments – ATV medical payments coverage pays for necessary medical treatments as a result of an ATV accident, no matter who is at fault, up to your coverage limits.
- Uninsured/Underinsured motorist -If the person at fault for an accident doesn’t have insurance, or not enough insurance, the Uninsured/Underinsured Motorist Coverage will pay for injuries and damages you suffer, for which the at-fault party is legally liable. You simply select the amount of ATV UM/UIM insurance coverage you want, under the Oklahoma ATV policy, and you’re protected up to those limits.
RCI Insurance Group invites you to call our office today. We guarantee your needs will be prioritized, as your business is important to us. Let us do your Oklahoma ATV Insurance shopping for you, so it won’t cost you an arm and a leg!