All-terrain vehicles are among the most popular vehicles in the US, with sales estimated at around 800,000 units per year. Unfortunately, their popularity has also been accompanied by an increase in fatal accidents involving these vehicles, particularly following the expiration in 1998 of the consent decree between the Consumer Product Safety Commission and major ATV manufacturers not to manufacture 3-wheel models (which were seen to have serious safety issues). Although such models were not reintroduced, a number of factors were identified as contributing to the rise in fatalities, including a dramatic increase in the horsepower and speed of 4-wheel models and fundamental design problems that were not addressed by the consent decree. If you drive ATVs in Pennsylvania, you need to have them covered by Pa. auto insurance.
ATV insurance in Pennsylvania has the same requirements as auto insurance and Pennsylvania motorcycle insurance. You are required to take out a minimum of $15,000 bodily injury liability per individual up to a maximum of $30,000 for all injuries in one incident, as well as property protection insurance of at least $5,000 and a minimum limit of $5,000 in medical benefits. If you do not maintain coverage and you are caught while driving your car, then you risk having your license and registration suspended for 90 days as well as being levied fines.
You might also want to supplement your basic coverage with the following options which you can add to the Pennsylvania car insurance quote you’re requesting from the insurer: collision, which covers the damage to your vehicle from a crash with another vehicle or with obstacles such as rocks; comprehensive, which protects you from loss resulting from theft or other covered perils such as vandalism or fire; uninsured and underinsured motorist coverage, which pays for the medical bills of you and your passengers if the other driver does not have insurance or lacks enough coverage to pay all your expenses. If you have made expensive modifications to your ATV, you might also want to take out custom parts and equivalent coverage as well as towing and labor coverage, which reimburses you for roadside assistance fees such as tire changing and battery jump-starting.
If you want to get a lower Pennsylvania auto insurance rate, you can take an approved safety course or become a member of some accredited riding associations. Many insurance companies will also give you a lower Pennsylvania auto insurance quote if you take out multiple policies from them or if you insure several vehicles. You can lower your Pa. auto insurance rate further by asking for higher deductibles if you can cover them. Deductibles are the amount of the accident damages you will have to shoulder before the insurance company begins to pay.
If you are looking for an affordable Pa. auto insurance quote try visiting online insurance broker sites that will allow you to compare quotes from multiple providers to find the one that is best for you. But don’t let low premiums be the main reason for deciding to go with a particular insurer but look at all the features they provide. And make sure to read the policy carefully before signing up to it.
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