Your ATV is an expensive piece of machinery and keeping it in good shape and safe from damage is just one of your many priorities. That being said, it is important to know just what your ATV insurance policy covers and what it does not so that you can find the right coverage for your particular machine. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help you find the policy that works for you.
For the most part, your ATV policy is going to cover a wide range of things. From damage to accidents to personal injury, your policy is going to help keep you and your ATV safe from just about anything you can imagine. That being said, there are some things that your policy is not going to cover. Damages that are intentional are not covered as are damages that are the result of negligence on the part of the operator.
This means you cannot drive your ATV through high water and damage the engine then expect your insurance policy to pay out. It is important that you take the time to see just what your policy covers before you go out so that you can be sure your ATV is fully covered and protected. In most cases, water damage from things like flooding is going to be covered without issue and if your ATV Is driven into a body of water, for example, it would also be covered.
If you ever have any doubts about what your policy covers, you should take the time to truly look at your policy and to speak with an agent to see what your particular policy covers. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help.