Illinois ATV Insurance (QUOTES, COST & COVERAGE)
Get Illinois ATV insurance quotes, cost & coverage fast. All-terrain vehicle insurance protects you against the risks of owning and operating your IL ATV or UTV/UTL – either on or off road.
Illinois ATV Insurance
To an Illinois 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 Illinois 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 IL ATV owner ought to consider getting Illinois 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.
What Does Illinois ATV Insurance Cover?
Here’s what Illinois ATV insurance generally covers:
Bodily Injury Liability: IL ATV insurance covers any damage associated with anyone who gets injured or killed in an accident caused by the insured Illinois 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 Illinois ATV, you may be found liable for the injuries he/she suffers while driving it. It’s also imperative that you follow the Illinois 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 Illinois ATV.
Collision: An optional ATV insurance coverage where the insurer promises to pay for the necessary repairs in case your Illinois 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 IL 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 Illinois ATV Insurance Doesn’t Cover
Typically Illinois 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 Illinois 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 Illinois ATV Insurance Cost?
How much does Illinois 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.
IL ATV Insurance Quotes
Request a Illinois ATV Insurance quote in Anaheim, Bakersfield, Chula Vista, Concord, Corona, Elk Grove, Escondido, Fontana, Fremont, Fresno, Fullerton, Garden Grove, Glendale, Hayward, Huntington Beach, Irvine, Lancaster, Long Beach, Los Angeles, Modesto, Moreno Valley, Oakland, Oceanside, Ontario, Orange, Oxnard, Palmdale, Pasadena, Pomona, Rancho Cucamonga, Riverside, Roseville, Sacramento, Salinas, San Bernardino, San Diego, San Francisco, San Jose, Santa Ana, Santa Clara, Santa Clarita, Santa Rosa, Simi Valley, Stockton, Sunnyvale, Thousand Oaks, Torrance, Vallejo, Victorville, Visalia and all other cities in IL.
The Illinois Department of Insurance
The IL Dept. of Insurance is the regulatory agency behind the insurance rules for the state of Illinois. If you want to understand these rules, then this is definitely the agency that you need to focus on. Let’s start with limits within the state.
Illinois Minimum Insurance Limits
- For auto insurance, Illinois requires $15,000 per person and $30,000 per accident.
- For life insurance, there are certain regulations in place to determine how someone is able to get or offer life insurance, but there are no limits listed.
- For commercial insurance, insurance agents may offer broker or casualty insurance as well as covered property insurance, covered causes of loss, specified perils and open perils along with a number of coverage forms like builder’s risk, legal liability, building ordinance, glass, peak season, inflation guard and peak element.
IL Insurance Regulations
As for regular insurance regulations there are a lot of things that Illinois provides that you can look up. For example, there are deadlines for the insurer to pay the claim or deny it, deadlines for submitting paperwork to prove a loss for insurance reimbursement, specific information your insurance company is required to give you and regulations on what information you have to provide to your insurance company.
One of the Illinois regulations calls for you to be treated by your insurance company in good faith. This means that your insurer must be considered of your needs and must communicate completely and honestly with you about your policy and everything that you need to know about it in order to make a good decision. In turn, you are legally obligated to be honest and cooperative with your insurance company when it comes to your claim.
You should also be aware that your insurance company is required to offer prompt, honest and complete communications. The company and all of its representatives must respond to your communications within 15 calendar days with a complete response based upon the facts that are known.
Finally, be aware that your insurance company is required to have a fair claims process. Unless it is specified in your policy, you do not have to use the forms that are provided to you by your insurance provider in order to make a claim. You can create a list of losses on your own if you need to. In addition, insurers are not able to ask for unreasonable proof of loss. If you provide photographic evidence or video of items that you lost, insurers are not able to ask you to provide additional information.
Different States Illinois ATV Insurance
If you are looking for state specific Illinois ATV Insurance insurance quotes, costs and information: