• RECEIVE THE GIFTS MEMBERS SHARE WITH YOU HERE...THEN...CREATE SOMETHING TO ENCHANT OTHERS THAT YOU WANT TO SHARE

    You know what we all love...

    When you enchant people, you fill them with delight and yourself in return. Have Fun!!!

Sign in to follow this  
Chode2235

Insurance

Recommended Posts

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

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

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

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  

  • Your Responses - Share & Have Fun :)

    • Heavy rains across northwestern Wisconsin last weekend and early this week have flooded some roads and caused washouts on some highways, roads, state parks, forests and trails. According to the National Weather Service the area has received 7 to 12 inches of rain from Friday through Monday.Several park system property or portions of properties are closed due flooding. Amnicon Falls State Park, closed temporarily but has reopened, though some roads, trails and observation areas remain closed. Pattison State Park is open for camping only; all trails, observation areas, picnic and day-use areas are closed. There are washouts on the dam that forms Interfalls Lake and Highway 35 over the dam is closed. A campground and horse trail are closed at Governor Knowles State Forest and the day use areas along the river at Interstate Park are underwater.Water was roaring over Little Manitou Falls at Pattison State Park.Photo credit: Gervase ThompsonAll rivers in the region are running extremely high. The falls at both Amnicon and Pattison are roaring, but road closures mean observing the falls now is challenging. The Bois Brule and Flambeau rivers are high enough that some canoe launches and campsites are underwater. The water is making its way downstream and the Lower Wisconsin River is running very high with all sandbars submerged and canoeing and kayaking not recommended. The river is expected to crest Muscoda this weekend at 40,000 cubic feet per second. .
    • I'm still going to smoke this fatty while camping this weekend whether Leech likes it or not.....😋       See you fellers on Monday........
    • Rick didn't like all the "My Grills bigger and better then yours" posts!  😅
    • We switched to a new server. Had a glitch in our dB that lost a couple days of posts.
    • I ripped a hole in one of my favorite pairs of fishing shorts just need a decent sized patch to cover her up
    • I am not sure what happened either but we lost all of the posts last couple days not just this thread. And it looks like the same thing happened over on FM site as well. I know the site was down last night while I tried look at it.
    • We had no problems but only brought 10 extra gallons over.  We fished 5 days, pretty much running wherever we wanted and ended with 7 gallons remaining in the boat.  So, we burned 30 gallons of fuel in a 1785 Lund with 90 hp Mercury 4 stroke.   I thought that was pretty good!
    • Seems to me that we are missing an entire page from this thread that was here yesterday.... what gives?  
    • What the frequency Kenneth?
    • this piece looks good, i interessting recipe for marinade. I make a meat with basil but want to taste new recipes. And one more think - i may advice you while smoking make a incisions if meat very broad