Get Kentucky ATV insurance quotes, cost & coverage fast. All-terrain vehicle insurance protects you against the risks of owning and operating your KY ATV or UTV/UTL - either on or off road.
Kentucky ATV Insurance
To an Kentucky ATV enthusiast or rider, there's nothing quite like driving in sand dunes in the desert or through the forest. We can't deny that riding an Kentucky ATV is among the most fun things you can do. But, it can be risky, too.
All-terrain vehicles (ATVs) pose a danger to the riders and anyone around them. As such, any KY ATV owner ought to consider getting Kentucky ATV insurance. In fact, it's a legal requirement to have basic All-terrain vehicle insurance in some places. Besides, ATVs can cost a significant amount of money. It's, thus, only sensible to have a reliable form of protection.
Some insurers cover ATVs under motorcycle insurance, and the policies are not very different. Other companies provide Kentucky ATV insurance through their Off-Road Vehicle division. Often, ATVs may be insured along with; motorcycles, golf carts, go-carts, snowmobiles and dune buggies.
ATVs are neither intended nor licensed for use on roads or highways. And, although each state has its own definition of an Kentucky ATV, they're all nearly identical. Most states class any motorized vehicle that has two or more wheels and is designed for off-road driving as an ATV.
Most people associate ATVs with single-passenger, 4-wheeled, off-road vehicles. These are popularly referred to as quads, quad bikes, quadricycles, or four-wheelers. But, there are quite many ATVs which have been designed for two passengers and others with fewer or more than four wheels.
What Does Kentucky ATV Insurance Cover?
Here's what Kentucky ATV insurance generally covers:
Bodily Injury Liability: KY ATV insurance covers any damage associated with anyone who gets injured or killed in an accident caused by the insured Kentucky ATV. This coverage will also pay any legal fees that result from litigation against the policyholder - however, it'll only cover up to the policy's claim limits. These limits are often specified as a certain amount per person and a particular amount per accident, irrespective of the number of people involved.
You ought to ensure that your ATV is driven only by permitted or authorized persons. In case an unauthorized person rides your Kentucky ATV, you may be found liable for the injuries he/she suffers while driving it. It's also imperative that you follow the Kentucky ATV's guidelines. For instance, ensure you're aware of the vehicle's weight restrictions and avoid overloading it.
Property Damage Liability: It's quite similar to the bodily injury liability coverage. The only difference is that property damage liability will meet the cost of damages your ATV causes to someone else's property. That includes personal belongings. This coverage also has a certain claim limit for one incident. It's typically lower than the limit applied in the bodily injury liability coverage.
Medical Payments: This ATV insurance coverage is intended to meet any medical expenses that are incurred by those riding in your Kentucky ATV.
Collision: An optional ATV insurance coverage where the insurer promises to pay for the necessary repairs in case your Kentucky ATV overturns or collides with another vehicle. You'll be required to choose a deductible (the amount you pay out-of-pocket before your insurance kicks in). Most insurers tend to cover up to the ATV's cash value.
If you own a low-value ATV, you can consider forgoing this coverage. It'll also keep the premiums low. But, ensure your policy includes the collision coverage if you are leasing your ATV or financed its purchase.
Comprehensive: Another optional KY ATV insurance coverage where the insurer promises to pay for damages which are not a result of a collision from damages from vandalism, theft, fires, flooding, and earthquakes.
For instance, if your ATV is stolen, you'll get compensation (up to the vehicle's cash value) to replace it by filing a comprehensive claim. You'll be required to choose a deductible for this coverage, too.
Uninsured/Underinsured Motorist: This coverage will be quite handy if you or someone else gets injured in an accident where an uninsured or under-insured person was driving your ATV. It'll cover the resulting expenses. It's generally expected that, if someone else causes damage or injury, their insurer will cover the associated costs. But, some individuals may not have any ATV insurance, or enough insurance to cover your bills, even when the law requires it. This coverage has claim limits, too. These limits are usually specified as a certain amount per accident and individual.
What Kentucky ATV Insurance Doesn't Cover
Typically Kentucky ATV insurance doesn't cover (excludes):
A standard policy will only cover the ATV's use for either commuting or recreational purposes. It won't cover any damages or losses brought about by organized racing. But, you can get an Kentucky ATV racing insurance policy from select specialty insurers.
Riding ATVs on highways is excluded from coverage because it's illegal. There are several exceptions to that rule, though. Local government agencies may allow ATVs on specific highways. These highways are often within state-owned properties, like large parks or reserves.
ATVs may cross a road but under specific conditions. For example, they must cross the road at a point that's designed for vehicle crossing. Besides that, if an ATV is crossing the road, it ought to come to a stop, and the driver must ensure it's visible to other traffic.
Also intentional damages caused or injuries caused during a criminal act are excluded.
How Much Does Kentucky ATV Insurance Cost?
How much does Kentucky ATV insurance cost? Insurance rates for ATVs and UTVs vary based on the state requirements and other factors. Prices can range from a few hundred to over a thousand dollars a year. In areas where there are greater risks and a larger number of claims, rates can go higher.
One factor that keeps costs down is that ATV accidents are often single-vehicle incidents. As such, injuries stem right from the inherent ATVs' dangers, and not other vehicles. And, people probably drive fewer miles and spend less time on ATVs. The result is fewer accidents and insurance claims. Besides, ATVs typically move slower than most other vehicles and have low top speeds.
KY ATV Insurance Quotes
Request a Kentucky ATV Insurance quote in Alexandria, Ashland, Ashton, Bardstown, Berea, Bowling Green, Burlington, Campbellsville, Covington, Danville, Edgewood, Elizabethtown, Erlanger, Fayette, Florence, Fort Knox, Fort Thomas, Francisville, Frankfort, Franklin, Georgetown, Glasgow, Henderson, Hopkinsville, Independence, Jeffersontown, Lawrenceburg, Lexington, Louisville, Lyndon, Madisonville, Mayfield, Maysville, Middlesborough, Mount Washington, Murray, Newport, Nicholasville, Ownesboro, Paducah, Paris, Radcliff, Richmond, Shelbyville, Shepherdsville, Shively, Somerset, St. Matthews, Versailles, Winchester and all other cities in KY.
Kentucky Insurance Rules
In KY, there are some insurance regulations that you should be aware of before you start your business or even strike out on your adult life. We will be looking at both business and personal insurance, and the regulations that affect consumers that get these types of insurance. Let's look at personal and business insurance in greater detail according to the regulations in Kentucky.
KY Business Insurance
The first regulations to be aware of is the regulations governing business insurance in Kentucky. Like most states, Kentucky does not require businesses operating in the state to carry commercial liability insurance.
Kentucky is a pure comparative negligence state which means that the plaintiff can recover damages even if they are 99 percent at fault. There is also no personal injury in Kentucky and the statute of limitations is one year.
There are also some mandatory types of business insurance that are required in Kentucky. One type is required in almost all 50 states and is known as Worker's Compensation insurance. In Kentucky, if you have at least one full or part-time employee, then you're required to carry Worker's Compensation insurance. If you have a sole proprietorship where you are the only worker, then you're not required to carry.
You can contact the Kentucky Labor Cabinet to find out about exemptions. The only other type of mandated business insurance in Kentucky is commercial auto insurance if the vehicle is used regularly as part of the business.
Kentucky Personal Insurance
There are a couple of different types of personal insurance regulations that we will be covering. The first is auto insurance. In Kentucky, drivers are required to carry liability coverage that is $25,000 per person or $50,000 per accident as well as $10,000 for property damage. This is pretty much standard for auto insurance in most of the other states out there. Some are a little higher and some are lower.
There are also certain regulations governing life insurance in Kentucky. Life insurance is a regulated industry with the rules listed in Title 25 Chapter 304. One regulation is that Kentucky residents are permitted what is called a free look. That is available in almost every state. Illinois residents can have life insurance for 10 days and if at the end of those 10 days they have evaluated their policy and do not like it they can cancel for a full refund. In addition, Kentucky insurance companies must provide a grace period of 30 days.
If you are looking for state specific ATV insurance quotes, costs and information: California ATV Insurance, Colorado ATV Insurance, Delaware ATV Insurance, Florida ATV Insurance, Illinois ATV Insurance, Kentucky ATV Insurance, New Jersey ATV Insurance, New York ATV Insurance, Oregon ATV Insurance, Oregon ATV Insurance, Pennsylvania ATV Insurance, Texas ATV Insurance, Washington ATV Insurance.