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When it comes to all-terrain vehicles (ATVs), staying safe is of the utmost importance. That’s why you need ATV insurance. However, making sure you’re getting the ideal policy for your needs requires a bit of assistance. Arlene Lear Insurance of Bolivar and Humansville, MO, is proud to help local ATV enthusiasts find effective and affordable policies. Here, they list three factors to consider beforehand.

What to Consider Before Securing ATV Insurance

Enact Coverage for Other Drivers

You may end up injuring another ATV driver while riding. In this case, a standard liability policy may not cover medical costs for other drivers. In fact, most liability policies only cover harm occurring to the policyholder. You can save yourself from paying exorbitant amounts of money for medical expenses by implementing a supplemental policy that covers injuries occurring to others.

Ensure ATV Damage Is Covered

atv insuranceWhen selecting an ATV insurance policy, make sure there is coverage for damage to the vehicle itself. Consider the cost of a new ATV, then bundle all additional expenses, including towing costs and repairs. If your ATV is damaged, having the right coverage will greatly mitigate the expense of repairs or replacements.

Property Damage Should Also Be Covered

Along with damage to your ATV, make sure you have insurance for property damage. When riding an ATV, such damage is common, and if it is particularly costly, you may need to pay thousands of dollars. The right insurance policy will also include funds for damage to other people’s property.

From health insurance to ATV insurance and virtually everything in between, Arlene Lear Insurance can help area residents protect the things that matter most in life. If you have questions, call the Bolivar office at (417) 777-3000 or the Humansville location at (417) 754-8377 to speak with a knowledgeable representative about your exact needs. If you’d like to see their full range of insurance products, visit the website.

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