Guests - If You want access to member only forums on HSO. You will gain access only when you sign-in or Sign-Up on HotSpotOutdoors.

It's easy - LOOK UPPER right menu.

Sign in to follow this  
Followers 0
Chode2235

Insurance

10 posts in this topic

I recently picked up a used Polaris Sportsman. Do I need to insure the thing? I am not worried about replacement if I damage it, but rather liability if I damage something or someone gets injured.

Not that I intend on that happening, but am curious as to what you all do.

My dad and I will be the only ones operating the ATV.

Thanks.

Share this post


Link to post
Share on other sites

I would recommend putting full coverage on it. ATV's are a hot commodity for thieves and in the event it gets stolen, you're covered.

Full coverage isn't that expensive. I went through Foremost in the past and full coverage on a high performance 650cc machine only cost $125/year.

For myself, I could easily find a couple things that I could eliminate that would save me the $10 a month to pay for ATV insurance.

Share this post


Link to post
Share on other sites

Check out Progressive Insurance Online, full coverage with a low $250 deductible for both collision and comprehensive was less than $100/year.

Share this post


Link to post
Share on other sites

MN does not require liability on an atv like it does on a car. But, because it is a licensed recreational vehicle, your standard homeowners policy would not cover you if you have a liability exposure with your atv. In other words, get liability coverage. You can get coverage through your homeowners policy or through another company with a separate policy which I think is the way to go. For ATV's full coverage is basically not much more to add than liability. Progressive is my best company for atv's, averaging $75-$125 per year (depending on value and CC's) for full coverage including liability.

ccarlson

Share this post


Link to post
Share on other sites

I have progressive and I pay $87.00/year full coverage. Cheap IMO for the peace of mind.

Share this post


Link to post
Share on other sites

Quote:
I recently picked up a used Polaris Sportsman. Do I need to insure the thing?

That, my friend, is a question only you can answer.

Is it required by law? No. Are you concerned about covering the loss of your vehicle due to an accident or theft? Apparently not. Then you have to ask yourself, "Am I willing to take the risk of a liability claim if something happens and if so, how much protection do I need to feel comfortable?"

Bob

Share this post


Link to post
Share on other sites

I have American Family and pay $170 a year for a 06 Pol 800 EFI. American Family is top notch insurance. They insure everything.

Progressive once gave a quote for one of my work trucks for 4 times what I pay per year.

Had a 02 Pol 700 insured with State Farm (another great insurance company) and gave me $1,000 over value when it got stolen.

Share this post


Link to post
Share on other sites

I have a 660 grizz, and pay 99 a year with progresive. its the best I found

Share this post


Link to post
Share on other sites

Yeah having worked for an insurance company, and sitting down the hall from the folks who collect I know that I want to avoid a phone call from them my entire life.

"Blood from a turnip" they would say.

Even if someone gets injured and they have health insurance, their health insurance company will sue you to pay for their medical bills.

It may not be required by law, but geeze, its a big risk not to take.

We found full coverage for a little more than the liability only and are taking care of that.

Thanks everyone.

Share this post


Link to post
Share on other sites

i keep insurance on my machines too. if nothing else, put liability on it just in case someone was to get hurt.

Share this post


Link to post
Share on other sites
Guest
This topic is now closed to further replies.
Sign in to follow this  
Followers 0



  • Posts

    • Good season Wild, onto next year. Should be some changes but I don't expect us to do anything crazy. Need to sign Granlund and Nino and that will use up a lot of our cap space. Can't afford Hanzel and possibly Haula and Vegas will be taking a player off our hands. I'm more interested to see who can sustain or step up their scoring next year or if anyone regresses. Granlund, Coyle, Nino, Zucker, Dumba, Spurgeon and Brodin all had career years, those are good problems to have. They showed us a lot but I think they still have room to grow and that is what we need. We have a nice cast of vets but they are likely too old to lead us to a cup, they would be in more supporting rolls. Hopefully our now seasoned young core and continue to build on their impressive seasons. Always disappointing to lose, even worse when you can't score against your old coach but I like the our team and hopefully we can keep getting better.
    • I'm not the most techy 40yr old out there, so I will try to explain what I'm looking to do and hopefully someone can point me in the direction I need to go. I have a cabin in the Chippawa National Forrest, no phone at the cabin and our cell phones dont work at the cabin either. My teenage son wants to take the wheeler and go riding alone. I worry he's going to get lost or if the wheeler breaks down he can't call my cell for help. When we drive my truck around; the gps in it works all the time.  I know I can put a GPS app on my sons phone so he can track his route in reverse to get back to the cabin. But what if he breaks down?  Does anyone know if there is a gps app that I could "pair" up me and my son's phone so I can see where he is at? kill 2 birds with one stone per say, he can use it to navigate himself on the wheeler and I can see where he's at incase I need to rescue him.  Thanks for the help.
    • Hit the Red River over the weekend for the 2nd time this spring. First outing wasn't great with a handful of smaller cats all under 10lbs. This weekend was a different story as we ended up with 15 cats Friday night. 5 over 10lbs, 2 of which were high teens fish. All caught on cut river bait.  Cats were on the shallow side of the river. Water was high and flowing pretty good. All fish were caught and released. Great night of fishin w no bugs to bother us and very nice weather! Gonna give it another whirl soon in a boat this time. Have a look!!
    • I've never tried my booya poppin pad crashers Yet but are they really bad or just not as good? Just wondering.
    • Well, I got the bow out today and it took about a dozen shots to get it sighted in then I shot this group at 30 yards.    I am impressed with this CB. The trigger is really thing that I'm not impressed with but I have nothing to compare it to. It seems like there is 40 acres of creep before it releases.
    • Ya I don't know do I dare say I almost like it better than deer hunting... Cant sit with him tonight but came up with a game plan wouldn't be surprised if he sticks one tonight  
    • I am still hunting yet Moose. I go to Nebraska in a few weeks. I am archery in mn. starting to see more active birds. Going to wait and shoot a tom. Nice having 4 birds already on the team. How does a guy post pictures right from your cell phone to here so I can post Dillons info on his tom.
    • Went out today in the metro areas without any luck. Didn't even see any ramps in the usual spots, and I thought they were earlier than the morels. 
  • Our Sponsors