My bank required it when I financed it, I had to show them proof of ins but they never found out it got canceled
How exactly does that work for specific parts? Like if you rolled it and bent your pro tapers, will you get $65 for new ones? That would be sweet.
That's pretty much my take on insurance. Mine is not financed, so not required that way, nor does California require it. But, I have my quad insured through my auto insurance company... bundled with other policies, you can save lots of money. To me, it doesn't matter that the replacement value is pretty low... it's still a loss and I want that covered. More important is the liability issue. If there is a crash and you tangle with another rider and they get hurt or their quad is damaged... it really doesn't matter who's fault it was, you could still find yourself in court being sued. With insurance, you wouldn't be alone trying to prove it was the other rider's fault.
I could see this part. Do you guys have a lot of ATV law suits in Cali from rider collisions?
I don't know if there is "alot" but, even one directed at you is enough to make liability coverage look real good. In Cal we have several state off road parks and some of them get quite crowded. It only takes one idiot going the wrong way on a one way trail to ruin your day. One of my riding friends had that happen to her... except it was a VW on the trail where he didn't belong and going the wrong way.... high speed crash... head on. Her medical bills alone were over $250,000.00 including $30,000.00 to be airlifted out. She's able to ride again, but not like she used to. Kinda funny to see her try to go through a metal detector.
