The water may get all the attention in Lake Geneva, but the land has plenty to offer, too. If you’re willing to get a little dirty, some of the most beautiful scenery in Wisconsin can be seen on the back of a 4-wheeler as you wind through muddy trails in the state’s backwoods. If you prefer the pavement, RVs can provide days, weeks, or even months of fun on the road. Regardless of what vehicle you choose, you will need insurance to protect yourself along the way.
At Glass Insurance Center, our ATV, RV and trailer policies provide coverage for:
Liability insurance helps pay for a victim’s property damage and medical bills when you are responsible for an accident. If the victim decides to sue you liability insurance can also cover your court costs and legal defense fees, as well as any judgments brought against you. Keep in mind that you may be held responsible for any liability damages that exceed the limits on your policy. Talk with your agent about supplementing your liability protection with an umbrella policy – especially if you have a lot of assets or income that could be vulnerable to litigation.
This helps pay for the repair or replacement of your ATV or RV after an accident has occured. You may be responsible for a deductible, but all other repair costs are covered according to the limits on your policy.
Losses and damages are not always caused by accidents. Someone could steal your ATV off its trailer, or you could experience a weather-related loss to your RV when on vacation. Comprehensive coverage typically covers theft, vandalism, storm damage, animal-related accidents, and more.
Whether used for work on the farm or participating in overnight camping excursions, all-terrain vehicles serve many purposes for people in our area. There are even rallies, derbies, and off-road scavenger hunts designed specifically for ATV and UTV riders. Just make sure you don’t leave home without an ATV insurance policy that protects your best interests during each adventure.
Although Wisconsin law requires riders to register their off-road vehicles and take a driver safety course to operate them, ATV insurance is considered optional. Taking a 4-wheeler out without coverage is not recommended, however, as approximately 100,000 riders are seriously injured in ATV accidents in the U.S. every year. Here at Glass Insurance Center, our goal is to help you stay safe and well-protected during your adventures. We are more than an insurance agency; we want to be your greatest ally in securing your family and assets no matter what life throws your way.
In addition to liability, collision, and comprehensive insurance coverage, we may also recommend:
Uninsured/Underinsured Motorist Insurance
We strongly emphasize the importance of this coverage, as Wisconsin does not require other riders to carry insurance by law. That means that you could find yourself responsible for medical bills, loss of income, and other damages that would have otherwise been covered by the liability coverage of others.
Special Equipment Coverage
Many riders invest hundreds or even thousands of dollars in special equipment for their ATVs. Whether it’s bigger wheels, towing gear, or an expensive navigation system, make sure it is protected from theft, collision, or other covered events.
RV and Trailer Insurance
When you own an RV, nothing holds you back from taking a road trip at the drop of a hat. Whether you spend a few days in a fifth-wheel enjoying the water parks of Wisconsin Dells or take your RV cross-country for the summer, look to Glass Insurance Center for your coverage needs.
In addition to liability, collision, and comprehensive protection, we may also recommend:
When you blow out a tire or lock yourself out of the RV, roadside assistance can help get you on the road again.
An RV doubles as your shelter and transportation. If an accident leaves you stranded, emergency expense coverage can help pay for temporary lodging and meals.
Make sure your awnings, satellite dish, and other attached accessories are covered in an accident.