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The people of Crystal Lake know they need auto insurance before driving. However, not all policies are the same. It’s essential to understand what your policy covers before an accident occurs.

Minimum Liability

Minimum liability policies meet state guidelines. These typically include coverage for the other person’s property damage and bodily injury, uninsured/underinsured motorist coverage, and additional property damage coverage.

However, these policies don’t cover everything. For example, they won’t cover rental car expenses, damage to your vehicle, or your medical expenses.

Comprehensive and Collision

Comprehensive and collision policies often include additional coverage, such as rental car reimbursement. However, this depends on the insurance provider. Some companies automatically include rental car coverage, while others offer it as an optional add-on. Speak with an agent at August Vincent Insurance Agency to learn more about what your policy covers.

Add-Ons

Many insurance agencies offer rental car reimbursement as an add-on option. This means you can purchase it as a rider to your existing coverage if it isn’t already included. Typically, you must have comprehensive or collision coverage to qualify for this add-on, though requirements vary by provider.

Other add-on coverage options include roadside assistance, lost-key coverage, and tire damage protection. Ask an agent about all available options to ensure your policy meets your needs.

Having coverage for rental car expenses is crucial before an accident occurs. Being without a vehicle can disrupt your daily life, making it difficult to get to work or take your kids to school. Our agents at August Vincent Insurance Agency are here to help you explore different policy options, including add-on coverage. Contact us today to learn more. We proudly help people in the Crystal Lake, IL area.

There’s nothing like spending the day enjoying your four-wheeler or riding with your friends. You can make so many upgrades that all-terrain vehicles never get boring. Most people want to make sure their ATVs are properly insured, but it’s important to get the right policy. One of our agents at August Vincent Insurance Agency, serving Crystal Lake, IL, can help. 

Will Your Auto Insurance Policy Cover Your ATV?

While cars and ATVs are four-wheeled vehicles, they usually don’t qualify for the same insurance policy. Standard car insurance policies will not cover an ATV. These policies, and their coverage limits, are designed for cars and trucks, such as your daily vehicle. Many companies will not cover ATVs, but may let you bundle an ATV and auto policy. 

Insurance Poliies for ATVs

That doesn’t mean you’re out of luck when it comes to getting a policy for your ATV. A separate ATV policy can cover liability, bodily injury, theft, damage from natural disasters, and other related risks. Speak with a professional at August Vincent Insurance Agency to learn more about specialized policies. 

Will Your Home Insurance Cover Your ATV?

Your homeowner’s policy may provide limited coverage. These policies can cover damage for covered perils, such as wind damage or theft. On the other hand, they do have stricter coverage limits for things like ATVs, and may not provide the coverage you need to replace yours if it’s damaged. Home insurance policies also typically do not cover liability or bodily injury. 

We know that you love spending the day with your ATVs, and how devastating it would be if something were to happen to it. An insurance agent at August Vincent Insurance Agency can help you learn more about your options. Contact us. We’re currently serving the Crystal Lake, IL, area.