An all-terrain vehicle is a source of fun and excitement, but only if you know how to ride and you’ve taken the proper safety precautions, including ATV insurance. These insurance policies vary in terms of their thresholds and coverage options, but there are some general features that most policies contain. If you damage your vehicle or suffer an injury, your ATV policy can help you recover and recoup the value of your vehicle.

Minnesota requires that ATV riders get liability insurance for off-road vehicles. This insurance covers claims against an ATV rider if they’re at fault in an accident. Coverage limits vary based on the nature of the insurance policy. Damage to property and other vehicles, as well as bodily injury, are typically covered in liability insurance. An insurance specialist at Safechoice Insurance Agency in Rochester, MN can help riders select the amount of coverage that fits their risk profile.                                       

Similar to automobiles, ATV insurance coverage can be supplemented by additional features and protections. This includes collision coverage for damage to your vehicle, along with medical payments coverage. These supplements and other options come with dollar thresholds and limits. To determine the amount of coverage you’ll need, your insurance agent will walk you through your risk profile and help you determine what you need to mitigate the risk of loss to a minimum.

To learn more about coverage options for ATVs in Rochester, MN, please contact Safechoice Insurance Agency. These exciting vehicles have the power to turn ordinary outings and camping trips into adventures, but only if you take the proper precautions and safety measures. ATV insurance can give you an extra layer of protection, helping enjoy your time off-roading to the fullest.

Your ATV may be fun, but it is a vehicle that is designed for disaster. This is why you need some form of insurance to cover losses on your end and liability for accidents. Of course, you should learn more about what is covered or not before making an informed purchase. Safechoice Insurance Agency is a great place to start if you are in the Rochester, MN area.

Not al ATV insurance plans are created equally in Rochester, MN, which is why you should never have concrete expectations. Your claims may not be covered if you are mishandling your ATV or using it for business purposes. For example, overloading the ATV to transport cargo is definitely misuse of your vehicle. Loading the ATV with multiple people will likely increase the chance of accidents is will probably void your claims.

Using your ATV on a highway or main road is not permitted by insurance providers. If state-owned roads or property allow ATV, it is likely that signs are market specifically for its usage. Researching about a public road or land should also be done before a voyage to stay safe. In general, it will not be permitted legally so it should be avoided if possible. Racing policies are sometimes offered by insurers but don’t expect it at a low cost.

Policies are also likely to ban coverage or ATV racing since it has a high risk. Your policy will probably detail that your ATV is only for personal recreational use or for traveling across your own property.

Now that you may have realistic expectations of your future ATV insurance plan, you may create a budget and start shopping. If you are looking for a quote on reasonably price insurance, be sure to consult with Safechoice Insurance Agency.

Safechoice Insurance Agency in Rochester, MN is a full-service insurance agency.  The various states have their own licensing and registration requirements to operate an ATV.  Minnesota (MN) law requires those that operate ATV’s on or crossing the public highway must have Minnesota automobile operating license, and all ATV’s are required to b registered with the Minnesota Department of Natural Resources.  Before one is permitted to operate an ATV, Minnesota has supplemental requirements such as safety course, specific age restrictions, and the necessity to use particular ATV safety gear. 

Homeowners and Recreational Insurance

While a homeowners policy may cover a liability claim for an ATV accident, but only if the accident or damage to the ATV occurred on the homeowner’s property.  Recreational insurance may cover ATV’s. However, this insurance is not written explicitly for all-terrain vehicles, and recreational coverage may not be as comprehensive.

ATV insurance typically covers:

1.    Liability – will cover any bodily injury while driving the ATV and property damage up to an amount stated in the policy. 
Without ATV coverage the medical bills of a bodily injury could cause thousands of dollars.  Legal fees are included if the ATV driver caused the accident.

2.   Collision –  repairs covered to you damaged ATV as a result of an accident.

3.   Comprehensive –  this is optional coverage which will pay for an ATV that is stolen or damaged by vandalism, severe weather or fire.  There is a situation that comprehensive coverage is required if you are seeking an ATV loans through a Bank or financial institutions. 

4.    Uninsured/underinsured motorist – optional coverage, which covers the cost if the other rider that caused the accident and is uninsured.

Safechoice Insurance Agency in Rochester, MN looks forward to interviewing you concerning all your insurance needs. Please call us!

Before calling Safechoice Insurance Agency about a commercial insurance plan, it’s a good idea to figure out exactly what the risks are that you face in your line of work with your Rochester MN business.

For instance, you might not think that you need general liability as part of your plan because you don’t own an office or a factory or anything, but consider what might happen if a courier is injured delivering a new prototype to your home.

If you use your personal vehicle to make business runs, dropping off deliveries or picking up product, then you might want to consider the advantages of covering your auto under a commercial policy.

Those people you have working for you, are they freelancers, or are they employees? Remember that just writing down "freelancer" might not make it so in the eyes of a court (or in the eyes of the IRS). These are all things that need to be considered before you buy your policy.

It all varies by industry and by business. A delivery service obviously needs to cover their vehicles and drivers, where a garage-based startup that only employees freelance labor doesn’t have to worry about worker’s compensation at all.

Before you call Safechoice Insurance Agency, it’s worth making a list of worst-case scenarios. It can be a bit grim, but it’s the only way to prepare yourself: What’s the worst thing that can possibly happen at your business? If you can write a top ten list covering all of those possibilities, then you’ll have a good idea of what you need to discuss when you call your insurance agency to create your commercial insurance plan.

Taking a vacation in an RV can be a budget-friendly option and a great way to make memories. As such, more and more people are choosing to rent RVs when they travel. One of the questions that we at Safechoice Insurance Agency, serving the Rochester, MN area, are asked is whether someone can take out an RV insurance policy for an RV that they are renting. Here is the answer to that question. 

Can You Buy RV Insurance for a Rental?

If you are renting an RV, you will not be looking to purchase standard RV insurance. Instead, you will be looking to buy a temporary RV insurance policy. A temporary policy covers you temporarily while you are renting an RV from someone else or from an RV rental company. Temporary RV insurance also covers you if you are borrowing an RV from a friend or family member, as their RV insurance typically does excludes anyone aside from those named on the policy. 

How Long Can I Carry Temporary RV Insurance? 

Most companies do not put a length of time on how long you can carry temporary RV insurance. If the RV is registered and insured in someone else’s name, you are unable to carry traditional RV insurance on it. As long as this is the case, you can continue to carry temporary RV insurance. Some people rent RVs for a year to travel the country, while other people rent them for a week for a short camping trip. Either way, there is a policy to fit your needs. 

If you have purchased an RV and need an RV insurance policy, or you are renting an RV and need temporary RV insurance in the greater Rochester, MN area, Safechoice Insurance Agency can help you get the coverage you need. Call us today to get started. 

Operating an ATV in Rochester, MN can be a fun activity and an exciting way to spend time or run errands for business. Especially in the winter, people take to the outdoors to enjoy the many trails and other outdoor locations that can be found in Minnesota. However, it can also lead to accidents, which can be confusing because ATV drivers aren’t licensed and they don’t have the same legal requirements as drivers do to carry a license and insurance. 

Many ATV drivers and riders are also underage. The Minnesota Department of Natural Resources recommends everyone take a safety course, but there are always risks involved in these kinds of activity.  If you are in an ATV accident without insurance, you may still be liable for all the damages that occurred during the accident. From broken equipment to injured people, the damages can be very expensive.    

Every year, there are hundreds of ATV accidents in Minnesota that result in injury. Many of those involve young people and children, especially those under the age of 16, who particularly enjoy the thrill of ATV riding. At Safechoice Insurance Agency, we want to make sure you are protected when those accidents occur. If you are injured, you will want your injuries to be taken care of. If another person was injured, you need for their injuries to be taken care of so that you will not have to pay out of your own pocket. 

According to the Mayo Clinic, over 10.5 million Americans owned ATV’s in 2009, up from 400,000 in the 1970’s. This is a trend that is growing, and which offers legitimate uses. If you want to talk about a policy for our ATV riding, call  Safechoice Insurance Agency to obtain a policy in Rochester, MN today.

 

Riding the trails with friends is a given right of passage for many residents around Rochester, MN. The last thing anyone expects is to be held liable in the event of an ATV accident, especially when friends or family members are involved. Unfortunately, waiting until an accident happens before purchasing ATV insurance can be an expensive lesson to learn.

When is Insurance Necessary?

Liability insurance becomes vital when other people will drive or ride your ATVs, whether on your property or public lands. Don’t assume your homeowner’s insurance policy covers accidents that happen on your property. This is one of the times you want to talk to the experts at Safechoice Insurance Agency for clarification since you will be held liable for accidents that occur on your property. 

If your ATV is financed, you will likely be required to carry liability and collision coverage until the loan is paid in full. This protects you and the financial institution should the ATV be damaged. It also provides coverage for any medical needs that are a direct result of an ATV accident.

What if I Only Plan to Ride on my Property?

Registration type is more impacted by where you plan to ride that is insurance. MN DNR has an extensive guide available. You will find information on legal age requirements and who must take an ATV safety course before operating an ATV. Making sure that anyone operating one of your ATVs is in compliance with state regulations is important.   

Safechoice Insurance Agency can help you determine which ATV insurance plan will cover you, your family, and your friends near Rochester, MN who will likely operate your ATV with permission. We are here to answer questions about how ATV insurance can provide peace of mind before you head out for a ride with friends.

 

Although it’s not a subject most people want to discuss, it’s a very vital one–who your life insurance beneficiary will be. For people with a spouse and no other relations or who have only one child, the answer might be simple. For everyone else, it’s vital to take the time to compare your options because this is the most important decisions you’ll make when opening your policy with Safechoice Insurance Agency, serving Rochester, MN and the surrounding area.

Circumstances of Prospective Beneficiaries

Before you deem someone as your beneficiary, make sure you consider their financial situation. Depending on what they owe, it’s possible the government could seize the money, and your beneficiary won’t receive any of the money. If your potential beneficiary collects social security or any government assistance, your beneficiary may no longer qualify for benefits because of the money they inherit from you. This could harm them in the long run financially. 

Who it Benefits

When you’re deciding on a beneficiary, think about who gets the money and how they would probably use it. Do you really want to appoint someone as your beneficiary if they’re just going to blow the money? Or would you rather deem someone as your beneficiary who will use it to pay off their home, take care of their children or expand their business?

Your Children

If you have underage children, you automatically think of them first when it comes to after you pass. While making sure they’re financially taken care of is vital when planning, the money may not be able to go to them until they’re 18. Therefore, you should make sure the money goes to someone who you know will put your children’s best interest first and see they receive the money. 

To get a quote for life insurance or open a policy with Safechoice Insurance Agency, serving Rochester, MN and the surrounding area, contact us today at 507-280-9282.