Looking for ATV insurance in Thibodaux, Houma, Raceland or the surrounding areas of South Louisiana? Jones Insurance has several ATV insurance companies to choose from.
All-Terrain Vehicles (ATV) are becoming increasingly popular and come in a variety of different models. Most insurance companies have a different set of rules for providing coverage for ATVs, depending on the vehicle type. All-terrain vehicles are three, four, or six-wheeled buggies used off-road. 4×4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.
A standard ATV insurance policy is comprised of the following parts:
- Property damage liability
- Bodily injury liability
- Collision coverage
- Comprehensive coverage
- Uninsured or underinsured motorist coverage (UM)
- Medical payments
Property Damage Liability
Provides legal liability for a covered accident that involves damage to someone’s property, up to the limit of liability you select.
Bodily Injury Liability
Provides payment for injury or death resulting from an accident for which you are at fault. Bodily injury liability, also known as BI, can help pay for the injured party’s medical expenses and lost wages, and may also help provide compensation for legal defense. The limit, or the amount covered, is select when you purchase your auto insurance policy.
Collision insurance covers damage to your vehicle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object.
Comprehensive coverage pays for damages caused by an event other than collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible. Custom equipment coverage is also available.
Uninsured Motorist Coverage
Uninsured motorist coverage pays for medical treatment, lost wages and other damages if a driver who has no insurance hits you.
Medical payments provide coverage in the event of first party injury while operating the insured vehicle.
Jones Insurance can help you get the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you get focus on having fun. Give us a call, shoot us a text, or head to our quotes page.