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Rider Knowledge:
Nationwide Offers Five Tips for Choosing ATV
Insurance
As summer
turns to fall, many ATV enthusiasts are enjoying
time on their favorite trails. The experts at
Nationwide remind owners to make sure their
insurance coverage is in gear before heading out
for a ride.
"Over the past decade the popularity of ATVs
has grown, with over seven million currently in
use. Whether you're riding a sport or utility
ATV, it's imperative that you protect your quad
with the proper insurance coverage," says Mitch
Roggemann, national sales director for
Nationwide's Property & Casualty Specialty
Products.
ATV owners should consider the following
Nationwide tips when choosing coverage for their
vehicle.
- Cover your ATV with a dedicated policy.
If your ATV is covered under a homeowner's
policy, you may not be as protected as you
think. Many riders don't realize that ATV
damage usually is not covered under a
homeowner's policy if the ATV is driven off
the insured individual's property. Companies
like Nationwide have stand-alone policies
for ATVs that keep you covered on, and off,
your property.
- Take a safety course. These courses will
take you through every step of riding, from
unloading your vehicle to traversing tough
trails. Many companies offer policy
discounts for riders who have completed a
safety course.
- Protect the extras. If you're adding a
personal touch to your ATV, check on
insurance coverage first. Some policies
include custom equipment as part of the
standard coverage - a big benefit if you are
investing in costly upgrades.
- Stay on the road. Many owners trailer
their ATVs to their favorite riding spot. Be
sure your coverage includes reimbursement
for lodging, transportation and meals if you
are stranded due to an accident or
breakdown. Nationwide provides assistance
for riders in unexpected situations.
- Check to see if one policy can cover all
your motorized transportation and toys.
Nationwide policies cover up to 12 vehicles,
including motorcycles, Segways, golf carts,
dune buggies, and snowmobiles. Whether
you travel on two wheels or four, don't
forget the proper coverage.
Nationwide's policies cover theft, collision,
vandalism, and damage caused by uninsured or
underinsured drivers with some conditions and
exclusions. To learn more about ATV or
powersports insurance or to find an agent, visit
www.nationwide.com.
About Nationwide
Nationwide, based in Columbus, Ohio, is one of
the largest diversified insurance and financial
services organizations in the world, with more
than $160 billion in assets. Nationwide
ranks #104 on the Fortune 500 list. The
company provides a full range of insurance and
financial services, including auto, motorcycle,
boat, homeowners, life, commercial insurance,
administrative services, annuities, mortgages,
mutual funds, pensions, long-term savings plans
and health and productivity services. For more
information, visit
www.nationwide.com.
Nationwide, the Nationwide Framemark and On
Your Side are federally registered service marks
of Nationwide Mutual Insurance Company.
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