What Does ATV Insurance Cover?

 

Greensboro ATV insurance, although generally not required by law in North Carolina, is available to ATV owners in similar fashion to motorcycle insurance.  Certain parks or other venues catering to all-terrain vehicles (ATVs) may require riders using their facilities to carry a minimum amount of liability coverage to protect others using those same facilities.  This liability coverage comes in the form of bodily injury protection and personal property protection.

Bodily Injury Liability and Personal Property Liability Coverage

Greensboro ATV insurance is similar to Greensboro motorcycle insurance as far as the various coverages that are available and, for the liability protection, basic minimum amounts are identical.  Liability insurance is protection "for the other guy" when you're involved in an accident where someone suffers a loss and the accident is determined to be your fault or responsibility.  

Minimum amounts of liability coverage include:

• $30K coverage per person per accident for injuries or death.
• $60K coverage for all persons per accident for injuries or death.
• $25K coverage per accident for damaged property, fixed or moveable.

How Much is Enough?

While North Carolina State law sets out minimum amounts of liability coverage required for cars, motorcycles and ATVs, these minimums may be woefully inadequate in the event that you're involved in a serious accident and found liable for someone's injuries, damaged property or death.  Bear in mind that any amount of money for damages not covered by your insurance will have to come out of your own pocket.

Someone seriously injured in an ATV accident could require huge amounts of medical treatments and hospitalization as well as expensive therapies afterwards.  Obviously, $30,000 of insurance coverage could represent a mere drop in the bucket, leaving you with a huge debt that could lead to the loss of your assets and even bankruptcy.  ATVs can be dangerous.  Consider carrying as much liability insurance as you can comfortably afford, or invest in an umbrella policy.

Optional ATV Coverage Available

Just as with other vehicles, there is a menu of optional coverages available for ATVs, including:

• Uninsured/underinsured motorist coverage
• Collision coverage - may be required if your ATV is being financed
• Comprehensive coverage - may be required if your ATV is being financed
• Personal Injury Protection (PIP) - also called medical payments coverage

Though optional coverage isn't required, it's better to have it and not need it than the other way around.

 

Making the Most of Your RV This Spring and Summer

A major factor in making the most of your RV travel this Spring and Summer is proper de-winterization in plenty of time for your first road trip.  Making sure that everything is ship-shape on your vehicle will allow you to enjoy yourself much more than if you have to spend your time worrying about things that might happen or actually having to deal with things that DO happen.  We all know that an ounce of prevention is worth a pound of cure, especially if you find yourself stuck in the middle of nowhere, broken down, with no cell signal and no working jack or spare tire.

Avoid Mechanical Problems Before They Happen

To avoid the no working jack or spare tire problems, simply go through your RV with a list of things that need to be checked before your RV travel to make sure they're covered.  If you're pulling a fifth wheel or travel trailer, many of your RV safety checks will be mechanical since the towing vehicle requires most of the attention to make sure it meets the safety standards that everyday driving require.

Common sense tells you that before going anywhere you should gas up, air up your tires, make sure your battery is charged and that your fluids are topped up.  What may not be so obvious is to check your brakes, your shock absorbers and your axel bearings.  These last items may require service by a professional mechanic, so it's important to get these things done in plenty of time before your departure date.

First Aid Travel Kit

An important item you need to make sure you have on hand during your RV travel is an emergency first aid travel kit.  This should be a collection of items to deal with minor emergencies or illnesses, basic first aid items, medicines for skin problems, for stomach and respiratory problems.

In addition to these important first aid items, you should also have a basic emergency travel kit in your vehicle.  This kit should include, among other things, a flashlight, battery-operated or hand-cranked radio, extra batteries, local maps, pet supplies and basic hand tools.

You'll also want to make sure you have some entertaining activities for the kids if you have any children along on the trip.  This can include books, comics, video games, puzzles, etc.  These items may come in handy during a long drive to overcome the boredom.