As a driver, car insurance is essential to your safety and financial security. However, you might be unaware that these policies are also required for all-terrain vehicles, four-wheelers, and similar recreational vehicles. Since these are even more prone to accidents, it’s crucial to secure a policy before you hit the trail. Here are three ways a recreational vehicle insurance policy could assist you.

Why You Need Coverage for Your Recreational Vehicle

1. Liability

Whether you’re exploring with friends or riding solo, you’ll need liability insurance to protect you from legal and financial liability. This aspect of your policy will take effect if you damage another person’s property, home, or injure someone while riding.

If the affected party needs to see a doctor or call a contractor to have something on their property repaired, your policy will kick in. This will keep you from paying out-of-pocket for any medical and repair expenses.

2. Wrecks

Recreational vehicles are made for adventurous spirits who like to explore and go off-road. Unfortunately, this can increase the risk of accidents.

If you crash into a tree or another rider, your collision coverage will kick in. This way, you won’t have to pay the total amount to fix or replace your ATV. Once you meet your deductible, your recreational vehicle insurance will take over to cover the remainder.

3. Acts of Nature

This crucial insurance policy also protects against the numerous what-ifs that might harm your ATV. If a wildfire, tornado, or other significant weather event hits the area and damages your vehicle, the comprehensive coverage from your policy will take over. This will help you fix any hail dents or damage from fallen trees, limbs, or floods, without emptying your savings account.

If you’re a proud owner of an ATV or four-wheeler, it’s imperative to invest in recreational vehicle insurance, and Northwoods Insurance Agency in Crandon, WI, is here to help. They have been supplying policies to residents throughout the upper northeast Wisconsin and Crandon areas for over three decades. From home and auto insurance to health coverage, you can find the policy you need by calling (715) 478-2215. To learn more about their offerings, visit them online.