So now that we discussed which items will land you on the "Naughty List" for insurance, let's talk about which gifts are cleared for landing!

• Electric Bikes

• ATVs & Side by Sides

• Golf Carts

• Dirt Bikes

These gifts are not a problem, but we highly recommend calling your insurance agent to make sure you're covered.

So what kind of coverage do you need? Depending on how you use these, we would recommend considering:

• Liability Insurance:

  Liability insurance provides coverage for bodily injury and property damage that you may cause to others while operating your ATV, Dirt Bike, Golf Cart, or E-Bike. This coverage is often required by law, and the minimum limits can vary by state.

• Comprehensive and Collision Coverage:

  Comprehensive coverage helps protect your ATV, Dirt Bike, Golf Cart or E-Bike from non-collision events such as theft, vandalism, fire, or natural disasters. Collision coverage, on the other hand, covers damage to your ATV caused by a collision with another object (example: another ATV, tree, etc). Both coverages are optional but can be valuable for protecting your investment.

• Uninsured/Underinsured Motorist Coverage:

  This coverage can protect you if you're involved in an accident with another ATV or vehicle, and the at-fault party either doesn't have insurance or doesn't have enough insurance to cover your damages. 

Many people don't consider carrying insurance on these items but an injury on an ATV, Dirt Bike, Golf Cart, or E-Bike could be pretty serious and lead to major medical bills. You may be surprised at how affordable it is too!

If Santa is bringing any of these items, give us a call to find out what adding coverage looks like.

And as always, we are happy to compare your existing coverage and see if we can save you some money. 

Call us today or visit our website for a customized quote.  

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