Motorcycle and ATV insurance works to provide you with financial protection in the event of an ATV or motorcycle accident, ATV or motorcycle theft, as well as damage caused to your ATV or motorcycle that did not occur during a collision with another vehicle. By paying monthly or yearly insurance rates to your Abbotsford insurance company, you will be covered for any losses that have been outlined in your ATV and motorcycle insurance quote.
Since motorbikes and ATVs do not have seatbelts, they can be very dangerous vehicles to riders and those around them. Even a low speed impact can cause significant injuries, especially when hit by another vehicle. Purchasing the right motorcycle insurance or ATV insurance will help protect you in the event of an accident.
Motorcycle and ATV insurance is broken down into different coverage options for different purposes. Some of the different types of ATV insurance and motorcycle insurance include::
Body injury liability insurance helps cover the cost of damages inflicted on another person during an accident caused by your motorcycle or ATV. If you are found to be at fault for the accident, this type of basic liability insurance can help cover the cost of medical bills, pain and suffering, and the lost wages of anyone injured or killed in the accident; however, it is important to know the limits of your bodily injury insurance plan, as it will only cover a certain amount per person.
Property damage liability can help cover the cost of any damage done to another person's property due to your motorcycle or ATV. This type of motorcycle insurance or ATV insurance covers personal property, homes, and yards. Similar to bodily injury liability, property damage liability will have a specific claim limit per incident.
Medical payments coverage is designed to help cover the cost of any medical expenses incurred as a result of riding your ATV or motorcycle. This type of insurance coverage will pay for a range of different things, such as surgeries, X-rays, hospital stays, ambulance transportation, and funeral costs, up to a certain amount.
If you are in an accident caused by someone who does not have insurance or enough of it, uninsured/underinsured motorist coverage will pay for any expenses incurred due to the accident. Similar to bodily injury liability and property damage liability, uninsured/underinsured coverage will have specific claim limits.
Collision insurance will help you pay for repairs to damage in the event that your motorcycle or ATV is in an accident with another vehicle or if it overturns. The amount of collision insurance that you receive from your ATV and motorcycle insurance agency will depend on your deductible amount.
Comprehensive insurance will help pay for damages to an ATV or motorcycle that are not caused by a collision with another vehicle, as well as any losses due to theft, vandalism, floods, earthquakes, fires, and other causes. Similar to collision insurance, the amount of comprehensive insurance you have will depend on your deductible.
Mountainview Insurance in Abbotsford is an ATV and motorcycle insurance agency that offers a wide range of insurance product options. If you are looking to purchase motorcycle insurance or ATV insurance, please visit our Abbotsford office, or contact us at 604-557-0255 or by filling out a contact form on our website.
We’re ready to understand your insurance needs and to work for you to get the coverage you need.