Hit the Trails With ATV Insurance

atv insurance

Your ATV or UTV needs insurance coverage that is separate from personal auto and independent of homeowners. There are vehicles capable of going nearly anywhere and are useful for both recreation, work, and land maintenance. Because of this they also encounter hazards that are unique to counterparts used exclusively on the road.

Coverage for the Vehicle

Riding ATVs is enjoyable and offers a healthy dose of fun traversing different terrain. Even though you may be riding far away from others, accidents can happen that will cost you without insurance. Most policies offer ATV coverage with comprehensive and collision.

  • Collision provides protection if you hit an object such as a tree or rock and incur damage.
  • Comprehensive is coverage for scenarios such as hitting an animal or if your ATV is stolen.

Coverage for Others

Even with the right protective gear riding an ATV has its dangers. Having a rollover or being thrown from the vehicle can occur. Specialized insurance policies will also include the following:

  • Bodily injury liability can protect you if you’re at fault and cause injury to a passenger or other rider.
  • Property damage liability offers coverage for damage to property belonging to others due to an accident.

ATVs provide a great way to get off-road and experience the outdoors. Be prepared for the unexpected by being protected with the proper insurance coverage.

Complying With FMCSA Trucking Requirements

Commercial Trucking: Complying With FMCSA Trucking Requirements

The Federal Motor Carrier Safety Administration (FMCSA) is the government agency responsible for regulating the trucking industry within the United States. While there are many aspects to their oversight, the primary goals are to reduce the number of injuries, crashes, and fatalities that involve trucks and buses each year. Part of their process is the governance of licensing and permits for motor carriers and requiring certain insurance coverages before approval of licenses.

How to Secure Approval

The primary concerns with the financial costs of dealing with accident, injury, or death are met through strict liability coverage terms. Those looking to get on the road need to submit either a form BMC91 or BMC91X to the FMCSA establishing that you meet the minimum limits of coverage. The limits are established according to the type of freight that is hauled. The common categories are listed below:

  1. Non-hazardous freight in a vehicle under 10,001 l\bs ($300,000)
  2. Non-hazardous in a vehicle over 10,001 (750,000)
  3. Oil moved with For-Hire or Private Carriers ($1 million)
  4. Other hazardous material transported For-Hire or Private Carriers ($5 million)

The professionals at American Team Managers warn potential owners/operators that you must meet the minimum requirements to get your trucking permit approved. You can also secure public liability insurance, bodily insurance, and property damage. These cover areas not included in general liability policies, but that can be financially devastating in the event of an incident or accident.

4 Differences in Traditional and Commercial Auto Coverage

The experts at truckinsure.com

There are several key difference between a traditional auto insurance policy and trucking accident insurance coverage. They are both designed to protect the driver and the other party, but they do so in different ways.

1. Bigger Coverage. The amount of damage a truck can inflict means there are greater limits and coverage areas with the policies. Some policies can be worth millions of dollars.

2. Different regulations. Truckers have different regulations dictating their coverage amounts. The experts at truckinsure.com caution each driver to register with the Federal Motor Carrier Safety Administration to provide proof of compliance and avoid fines.

3. Dangerous Accidents. The bigger the truck, the worse the potential accident that occurs. Because of the size of the vehicles, the accidents are generally more serious and the injuries more severe within the trucking industry.

4. Attorney Involvement. If a trucker gets into an accident, the serious nature of the damages or injuries tends to give a victim the push to involve legal counsel. There is serious loss that can be incurred, and with a lawyer on board, a victim can navigate the hoops and chaos an insurance agency might present before taking care of a claim.

As a trucker, it is important that you protect your business and cargo as a first priority. However, the investment you make in your insurance will also protect those may encounter you on the road.