Get New York ATV insurance quotes, cost & coverage fast. All-terrain vehicle insurance protects you against the risks of owning and operating your NY ATV or UTV/UTL - either on or off road.
New York ATV Insurance
To an New York 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 New York 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 NY ATV owner ought to consider getting New York 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 New York 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 New York 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 New York ATV Insurance Cover?
Here's what New York ATV insurance generally covers:
Bodily Injury Liability: NY ATV insurance covers any damage associated with anyone who gets injured or killed in an accident caused by the insured New York 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 New York ATV, you may be found liable for the injuries he/she suffers while driving it. It's also imperative that you follow the New York 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 New York ATV.
Collision: An optional ATV insurance coverage where the insurer promises to pay for the necessary repairs in case your New York 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 NY 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 New York ATV Insurance Doesn't Cover
Typically New York 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 New York 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 New York ATV Insurance Cost?
How much does New York 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.
NY ATV Insurance Quotes
Request a New York ATV Insurance quote in Albany, Amherst, Auburn, Babylon, Binghamton, Bronx, Brookhaven, Brooklyn, Buffalo, Clarkstown, Clay, Colonie, Elmira, Glen Cove, Greenburgh, Hamburg, Hempstead, Huntington, Islip, Ithaca, Jamaica, Jamestown, Long Beach, Manhattan, Middletown, Mount Vernon, New Rochelle, Newburgh, Niagara Falls, Orangetown, Oyster Bay, Perinton, Poughkeepsie, Queens, Rochester, Rome, Rye, Schenectady, Smithtown, Southampton, Staten Island, Syracuse, Tonawanda, Troy, Union, Utica, Watertown, West Seneca, White Plains, Yonkers and all other cities in NY.
New York Insurance Rules & Regulations
In the state of New York, there are a couple of different types of insurance that are regulated by the state that you should be aware of - as well as the regulations behind them. Understanding what is required for business and personal insurance will help you make sure that you have the right insurance if you ever decide to open a business or even if you are simply looking for information on what kinds of personal insurance you need and what sort of oversight there is for them. Let's take a closer look at personal and business insurance in NY State.
NY Commercial Insurance
The first type of insurance is general liability insurance. Although general liability insurance is not required by law for New York businesses, it is a good thing to have. General liability protects companies from lawsuits that stem from slips and falls, damage to property while they are on the premises and a variety of other potential incidents that customers may file a lawsuit for. General liability simply keeps you safe in case something happens to someone on your property and they decide to bring a lawsuit against you.
In addition, businesses in New York must carry specific types of insurance such as Worker's Compensation insurance when they have at least one full or part-time employee. This does not apply to independent contractors and subcontractors. The only other regulation in New York is that commercial vehicles that are operating as part of a business must carry commercial auto insurance.
New York Personal Insurance
Now, we move onto personal insurance starting with auto insurance. New York State requires that anyone operating a motor vehicle carry liability insurance with $25,000 for bodily injury to one person and $50,000 total for a single accident. In addition, motorists must carry $10,000 for property damage as well.
There are also some regulations governing life insurance. In Article 32 of the New York Consolidated Law it says that residents have a free look period that is limited to 10 days, as well as a grace period of 31 days and then insurance companies must make timely payments within 30 days of receiving notification of the death. If the insurance company does not make these payments on time, then interest can be added to the amount owed. You can find out more about this life insurance information as well as information on the New York state guaranty that ensures that you will receive a payment even if your life insurance company goes out of business.
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.