Inquiry about ATV Insurance Coverage During Trailer Transport
I occasionally tow my ATV on a trailer a few times each year. In the event of an accident on the road that results in damage to the ATV or the trailer—regardless of whether I’m at fault or someone else is—would either my auto insurance or the at-fault party’s insurance cover the damages? If not, I’m considering purchasing a separate policy for both the ATV and the trailer through Progressive. Would I need collision coverage, or would comprehensive coverage suffice in this situation?
When it comes to insuring your ATV and trailer during transport, there are a few important points to consider:
Personal Auto Insurance: Generally, your personal auto insurance may provide limited coverage for your trailer if it’s attached to your vehicle, but it often does not extend to the ATV itself. While liability coverage may protect against damage to other vehicles or property in an accident for which you are at fault, it typically won’t cover damages to your own ATV or trailer.
Collision vs. Comprehensive Coverage:
Comprehensive Coverage: This would cover non-collision-related incidents such as theft, vandalism, or damage from natural disasters. While it’s important for protecting your ATV in general, it wouldn’t cover damages from an accident on the road.
Separate Policy: If you are considering a separate policy through a provider like Progressive, you would want to ensure that it includes collision coverage for transport scenarios to fully protect your investment.
In summary, for maximum coverage during transport, consider obtaining collision coverage for your ATV in addition to any comprehensive coverage. Additionally, it might be a good idea to consult directly with your insurance provider to clarify the specifics of your existing policy and options for separate coverage.