At Safechoice Insurance Agency, we have seen many people damage their ATV by running it improperly. While going off-road in an ATV is fun, it can cause issues if you get submerged and flood your engine with water. Does your insurance for your ATV cover this type of damage?

Issues Caused By Floods In The Engine

When you drive your ATV into a pond or lake, you are likely to flood it. Water in your engine is never a good thing. That’s because that extra water could cause difficulties with your engine compression. This situation is likely to cause severe strain on your ATV.

In some situations, it could even cause a hole to pop out of the engine cylinder. When this occurs, your ATV will be out of commission and will require specialized repair to get back on the road. Will your ATV insurance help to cover water removal or engine repair caused by this situation?

Your Policy Should Cover You

Your insurance policy for your ATV should cover this kind of damage to your engine. These kinds of policies take into account that you are likely to take this vehicle in an off-roading situation. As a result, most usually have language that helps to repair damage caused by its use.

However, they may not go into effect if you did something to contribute to the accident. For example, driving inappropriately or purposefully riding into a lake or pond could invalidate your policy. A true accident, such as losing control and ending up in a lake, will be covered by most types of ATV insurance.

Protecting Your ATV

If you are worried about your off-roading in Rochester, MN and want high-quality ATV insurance, please don’t hesitate to contact us at Safechoice Insurance Agency. We serve Rochester, MN and the surrounding area and will provide many benefits for your ATV.