Whether you prefer blankets of snow or trails full of mud, you bought your recreational vehicle for one reason: to stand up to challenging terrain. ATVs, UTVs, and snowmobiles create an opportunity for adventure and excitement that are not possible on foot or by car. Of course, these vehicles are not cheap, and riding them is not free of risk. At Strobel Insurance, we make it easy to get affordable, comprehensive protection that safeguards you, your riders, and your vehicle against accidents and loss.
Treacherous Conditions and Costly Risks
Whether you are doing work on your property or heading out for some exploratory fun, it is important to assess your risks before riding. You never know what challenges you could face or what dangers could loom both on and off the trail. While riding, there is the possibility of rollovers and collisions, whether your fault or the fault of others. Even when you are not riding, there is the chance of your snowmobile or ATV being stolen from the back of your truck or a tree falling on it during a windy storm. From injuries and vehicle damages to the possibility of a third-party lawsuit, owning and operating an ATV or snowmobile comes with costly risks.
When you consider all that can go wrong, purchasing insurance just seems right. You may not be able to control what happens to you or your vehicle, but you can take steps to minimize your financial vulnerability to an expensive loss. Whether you ride sporadically or every chance you get, make sure you are covered with insurance from Strobel Insurance. As an independent agency, we can help you build a coverage package that holds up to the ups and downs of ATV and snowmobile ownership – all at affordable and competitive rates that fit your budget.
Types of Snowmobile and ATV Insurance Coverage
Insurance policies written specifically for ATVs, UTVs, or snowmobiles typically contain multiple types of coverage designed to mitigate the risks of the rider. Your coverage may include:
Liability Insurance (Injury and Property Damage)
No one wants to think about a lawsuit – especially while zipping down trails or kicking up snow. The reality is that litigation may not be something you go looking for, but it can always find you. Sure, there are precautions you can take to reduce your risk of liability, but you still need to be prepared for the possibility of an accident that leaves you responsible for someone else’s injuries or loss. Liability insurance helps cover third-party injuries and property damages for which you are at-fault, and it can also pay for legal fees and court costs incurred by an ATV or snowmobile-related accident.
Collision and Other Physical Damages
If you roll your snowmobile or collide with another ATV, extensive damages are likely and potentially costly. Make sure your insurance covers damage to your ATV or snowmobile and compensates you for losses caused by collisions, fire, theft, vandalism, falling objects, lightning, hail, wind, and more. It is a small price to pay for peace of mind knowing the investment you made in your ATV, UTV, or snowmobile is covered against loss.
Imagine getting hurt in an accident and finding out the person responsible is not insured. Instead of fighting a lengthy court battle to obtain compensation, uninsured motorist insurance can help cover your injury expenses with a claim against your own policy.
When you get hurt in an ATV or snowmobile accident, nothing matters more than getting proper medical attention as quickly as possible. Talk to your agent about limited coverage options for necessary medical bills when you or your passengers are hurt while riding.
Equipment and Accessories
If you’ve upgraded the features on your ATV or added unique accessories to your snowmobile, these after-market parts may not be covered by your standard coverage. Talk to your agent about the ways you can cover vehicle enhancements against accidents and loss.
Some insurers offer coverage for special assistance required while riding. For example, if you break down near a road, your coverage may pay for towing or other emergency assistance. These offerings are limited and vary from insurer to insurer, so talk to your agent to learn more.
Wisconsin ATV, UTV, and Snowmobile Insurance
Don’t let opportunity pass you by. Waiting to purchase insurance for your off-road vehicle could result in an uncovered loss. Take steps now to insure yourself and your vehicle against loss and damages that might otherwise sink your budget and the money you’ve spent on your ride. We offer policies with broad protection designed specifically with you in mind.
As an independent agency, our commitment is to you – the customer. We help you shop and compare coverage from multiple insurers so you can make an informed decision about your insurance. We aim to take the time and frustration out of purchasing insurance, simplifying the process, and saving you money at the same time. We believe quality and affordability can go hand in hand if you know where to start your search. We will be there to answer questions, offer guidance, and provide ongoing support long after you purchase your policy.
For more information about snowmobile insurance or coverage for your all-terrain vehicle, go to the source for Eau Claire area insurance. Strobel Insurance can help you find the coverage you need at a price you can afford in as little time as possible. Contact us today for your free quote. We look forward to serving you soon.