You get a lot of chances for adventure in and around Centennial, CO, and you don’t want to slow down because you aren’t protected. At Compass Insurance, we assist our customers with many kinds of insurance needs, including insuring off-road vehicles like ATVs, dune buggies and even golf carts.
A good recreational vehicle may be expensive, and it could potentially cause a large amount of damage like any vehicle can. But off-road vehicles are fun to ride, they can get into places a regular vehicle can’t, and they save a lot of money on gas.
Following the rules
Driving an off-road vehicle can seem rebellious, but there are some rules you can follow that will make the experience safer, so you can keep doing it for a long time.
For instance, you shouldn’t take a passenger on an ATV, or drive the ATV on a regular paved road with regular vehicles. Wearing protective gear is also important.
Do you need ATV insurance?
You aren’t legally required to get ATV insurance in Colorado, but you have to ask yourself what you could lose if you don’t have insurance when you need it. Your injuries and/or damages probably won’t be covered under your auto or homeowners policy, and the expenses could add up.
It’s easy to damage your ATV by running over a stone or into a tree, and ATVs are vulnerable to theft and vandalism. You won’t know for sure until you look at your policy and talk to your agent, but if you want to ride an off-road vehicle in Centennial, CO, it is better to be safe than sorry. If you have any questions or would like to talk about a policy suited to what you need, call Compass Insurance today.
Purchasing a motorcycle can be thrilling for owners, with gas mileage so good that the open road can last right on for miles. While you are out taking on the open road, make sure that you have quality insurance on your motorcycle. While liability is only required in the state of Colorado for owned bikes, expanding past the minimum can protect yourself and any passengers you may be carrying. If you live in or around the Centennial, CO area, upgrade your motorcycle policy today to include collision and comprehensive with a policy from Compass Insurance.
What does collision cover?
In the event that you are in an accident with another bike or vehicle, damage to your bike will be covered. If your bike is a total loss from damages, you will be covered for the value of the bike so that it can be replaced. Even if you are in an accident with an uninsured driver, your own policy will ensure that you are provided the proper value and the ability to replace your motorcycle. For accidents that do not have collision coverage, you are not able to gain compensation on your motorcycle damages.
Why is comprehensive important?
Unfortunately, damage can be caused to your bike that is not accident related. If something falls onto your bike causing damage or it is stolen, you will be cover for the damages costs or a bike replacement like collision insurance. For those who lose their bike to theft without comprehensive insurance, there is no value replacement on the bike, leaving the owner completely responsible for the loss of the bike.
Get Covered Today
Protect your motorcycle investment today with collision and comprehensive coverage. Compass Insurance proudly serves the Centennial, CO area and has a policy ready for you today.