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The Law & You

Do I Really Need to Insure My New ATV?

The Law & You
July 4, 2018

The Law and You

Do I Really Need to Insure My New ATV?

A viewer just got a new ATV but his insurance agent says he should get insurance for the vehicle. Is that necessary? Insurance attorneys Greg Fellerman and Ed Ciarimboli have the answer.

Dave Kuharchik: Question today about an ATV here on the Fourth of July. Good to have attorneys Greg Fellerman and Ed Ciarimboli stop their barbeque plans to come in.

Ed Ciarimboli: We can barely drag Greg from the lake. He was all, “Aw, we have to do it today?”

Dave: But when you mention he gets to be in the virtual law center, his demeanor changed. He came right in. All right, a question tonight about an ATV. You might be having fun on the Fourth, of course. Bill in Hanover saying, “I bought an ATV and my insurance agent says I should insure it. Do you agree and why?” What do you say to Bill?

Ed: Absolutely, absolutely, absolutely. You should have a separate policy for the ATV, separate liability insurance. There are some policies out there they may sell underinsured coverage as well. You got to have it. In addition to that, you need to have a personal umbrella insurance. If you’re going to own ATVs and those types of vehicles, you got to have a personal umbrella liability policy to protect you even further. But without question, get it insured.

Greg Fellerman: Here’s a funny tip. So, I own a couple of ATVs and I actually got them recently insured. Believe it or not, they have liability, they have underinsured, uninsured, no first party medical, property, I was surprised how detailed the application was. I want to thank my insurance agent Billy Joyce, you did a great job. Actually, I had to insure my trailer too. I learned a little bit more about insuring these ATVs because, believe it or not, we get a lot of ATV cases where people get hurt and there’s no insurance. So, it’s cheap. It’s good stuff, I’m telling you.

Dave: No wonder why it’s nicknamed the Fellerman Palace over there. He owns boats, ATVs, and big parties.

Ed: It’s like a playground.

Dave: I’m changing my plans for the evening. I’m heading over. Party’s on. All right, if you need legal help you can give the guys a call, check them out online. Don’t forget even here on the Fourth of July, results matter with attorneys Greg Fellerman and Ed Ciarimboli. Guys, enjoy your night, we’ll see you next time.

Ed: See ya, Dave.

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The Law & You is a nightly feature on channels WBRE-TV 28 and WYOU-TV 22 where the attorneys from Fellerman & Ciarimboli answer legal questions. If you have a question that you want answered by the Law & You attorneys, please submit the form on this page or call the hotline at 1-888-570-HURT.

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