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Post by boman on Dec 21, 2019 9:27:00 GMT -5
I bought myself a Christmas Present---Kawasaki Mule Pro MX  and am wondering who you guys have for an insurance carrier and if you know off the top of your head, your coverage and cost. Liability is required in a lot of counties and I'm thinking of comprehensive also. My carrier for home and auto doesn't offer ORV coverage. Any info would be helpful. Steve |
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Post by greghopper on Dec 21, 2019 9:41:22 GMT -5
I didn’t realize INDIANA requires you to have insurance.....knew it must be registered to ride on road where allowed.
I can see where a bank may require insurance if you finance it with them.
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Post by boman on Dec 21, 2019 9:55:20 GMT -5
I didn’t realize INDIANA requires you to have insurance.....knew it must be registered to ride on road where allowed. I can see where a bank may require insurance if you finance it with them. Greg, The state doesn't but some counties do under local ordinance. |
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Post by greghopper on Dec 21, 2019 9:59:19 GMT -5
You got a list or link to view which countries do require the insurance?
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Post by boman on Dec 21, 2019 10:13:27 GMT -5
You got a list or link to view which countries do require the insurance? Nope, list doesn't exist, you have to call each individual county to see what they require. DNR does have a map online showing which counties have passed ordinances allowing on road use. I have checked with Boone and Warren Counties and both require Liabilty coverage.
Steve
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Post by Woody Williams on Dec 21, 2019 10:30:01 GMT -5
Boonechaser - your phone is ringing.
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Post by esshup on Dec 22, 2019 5:26:05 GMT -5
I have Indiana Farm Bureau Insurance for the house and farm, the ATV is tacked onto that policy. No idea on cost, it wasn't much.
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Post by nfalls116 on Dec 23, 2019 20:51:14 GMT -5
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Post by htownhunter on Dec 27, 2019 3:06:58 GMT -5
Mine is covered under my farm policy, but it doesn't cover onroad.
I think progressive has atv insurance for cheap like 100 a year. At least 5 years ago it was.
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Post by boman on Dec 29, 2019 20:49:22 GMT -5
Mine is covered under my farm policy, but it doesn't cover onroad. I think progressive has atv insurance for cheap like 100 a year. At least 5 years ago it was. Thanks, checked and liability is $106 which is what I need Steve |
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Post by tomthreetoes on Jan 6, 2020 11:55:51 GMT -5
I have Progressive also
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Post by steiny on Aug 20, 2020 8:18:40 GMT -5
Most homeowners policies want to know if you have an ATV or UTV and they will tack a bit of an extra charge on your homeowners insurance. These toys are a big liability for the insurance companies, lots of people get hurt on them.
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Post by firstwd on Aug 20, 2020 17:13:19 GMT -5
I didn’t realize INDIANA requires you to have insurance.....knew it must be registered to ride on road where allowed. I can see where a bank may require insurance if you finance it with them. If it is on the public roadway it is required to be insured. Now, they won't check if it's insured unless you are involved in an accident or you get a ticket, but it is a requirement just like a car. My city's new ordnance requires proof of insurance, inspection, registered with the state, and a fee to get the local plate and that process have to be completed every year |
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Post by tomthreetoes on Nov 21, 2020 11:47:53 GMT -5
With most side by sides costing as much a small car insurance is a needed thing. I have full coverage on mine through Progressive. Its a little over $200 a year.
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Post by treetop on Nov 22, 2020 14:32:37 GMT -5
Odd your home owners won’t cover that they cover my tractor side by side and snowmobile I believe each are 45 bucks a year
I know it seems odd on a tractor but I take it to moms only 5 miles but it’s easier to drive it over than to hook up trailer load chain down it runs about 17 mph in high so it doesn’t take long
Adams says if it’s on the road you need coverage period
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and am wondering who you guys have for an insurance carrier and if you know off the top of your head, your coverage and cost. Liability is required in a lot of counties and I'm thinking of comprehensive also. My carrier for home and auto doesn't offer ORV coverage. Any info would be helpful. 
