Personal and Commercial Texas Auto Insurance Specialist
Driving at high speeds through the woods, desert or farmland on your all-terrain vehicle (ATV)? Have you slowed down enough to make sure you have the right coverage for your ATV? An ATV faces different hazards when compared to cars, trucks, and motorcycles. That's why it is very important to make sure you have the proper coverages for this vehicle. We can help you make an informed decision about off-road insurance protection. Operating an all-terrain vehicles should be done in a safe and responsible manner. Over 700 deaths are contributed to all-terrain vehicle accidents every year. Texas ranks as on of the top five states in ATV deaths (and 75% of the injuries incurred from ATV accidents involve serious damage to the brain and spinal cord). While many states don't have specific age requirements for an all-terrain vehicle operator, the state of Texas requires that any child under the age of 14 must be under the supervision of a parent or guardian. Visit the Texas Department of Safety website to review the state requirements and laws associated with ATV certification and operation. List of ATV coverages that we offer: Collision - pays for damages to your ATV if the damage is significant. Because of the rigorous nature of an ATV, minor cosmetic damages such as dings and scratches are not covered. Comprehensive - pays for damages to your ATV in events other than collision such as flood, fire, theft, etc. Custom Parts and Equipment (CPE) and Accessory Package - covers equipment, accessories and other additions that was not originally installed on the ATV at the time of purchase. This coverage is added at no charge if the insurer (policyholder) has comprehensive coverage. Liability Coverage (Bodily Injury and Property Damage) - This pays for bodily injuries and property damages caused by you (insured) during an ATV accident. Before you can legally operate an ATV in the state of Texas, you must first meet the state's minimum liability limits.
Texas Liability Limits 25/50/25
Contact us today for additional information on Texas All Terrain insurance.
