ATV/UTV on-road insurance???

[NOCK NOCK]

Now that atv/utv's can be made street legal in WA ST, I have found that my current carrier will only cover it for off-road use. Wondering if anyone has a suggested carrier who they are insured with that they can recommend that will insure for both on & off road use???

[ghosthunter]

it is my understanding that they are only street legal in a few places. There are restrictions. And every city or county can op out??

Am I right or what??

[whacker1]

Who is your current carrier?

I sell insurance and would be happy to investigate with a couple of carriers to see what their stance is on the issue.

I would imagine it is similar to insuring an enduro motorcycle, but I haven't had anyone specifically request coverage in WA.  In Idaho we have dealt with it, but not in the last few months.

[fishingfool]

Hey whacker1, could I ask a favor? My current insurance carrier just informed me that they are no longer insuring boats as of 1 March. Suggestions? Thanks in advance. fishingfool

[NOCK NOCK]

ghosthunter you are correct. Chelan county and city of East Wenatchee have passed ordinances to allow them on their respective roads with posted speed limits of 35mph or less. Soon douglas county will pass one too.

whacker,. I currently have it under progressive, but they will not cover it on street. Allstate said no. I have found that Dairyland will cover it for both....at a very high rate.  Seems kind of excessive for the very limited time I would use it on pavement.
THX for the info

[CAMPMEAT]

You don not need insurance on any ATV/ORV in Washington, period.

I have Foremost insurance, because I've got a butt-load of money in 2 of them and I don't want to be without, if one or both gets stolen. I pay $45 a month for mine.

[whacker1]

p.m. sent

[Jingles]

Put a windshield, directional and ? one other item and they are street legal period they will have everything a regular vehicle has and you can get a regular WA state license plate

[NOCK NOCK]

You don not need insurance on any ATV/ORV in Washington, period.

I have Foremost insurance, because I've got a butt-load of money in 2 of them and I don't want to be without, if one or both gets stolen. I pay $45 a month for mine.

If you are going to "legally ride on paved roads" you must have insurance comparable to what autos have to have. (It is Written into the law that was passed HB1632)

Jingles, I have already converted my Commander to be street legal, Temp. license plate and all required equip.   

[whacker1]

You don not need insurance on any ATV/ORV in Washington, period.

I have Foremost insurance, because I've got a butt-load of money in 2 of them and I don't want to be without, if one or both gets stolen. I pay $45 a month for mine.

If you are going to "legally ride on paved roads" you must have insurance comparable to what autos have to have. (It is Written into the law that was passed HB1632)

Jingles, I have already converted my Commander to be street legal, Temp. license plate and all required equip.

this is correct

[CAMPMEAT]

You don not need insurance on any ATV/ORV in Washington, period.

I have Foremost insurance, because I've got a butt-load of money in 2 of them and I don't want to be without, if one or both gets stolen. I pay $45 a month for mine.

If you are going to "legally ride on paved roads" you must have insurance comparable to what autos have to have. (It is Written into the law that was passed HB1632)

Jingles, I have already converted my Commander to be street legal, Temp. license plate and all required equip.

You are 100 % wrong my friend. You do not need insurance on them. I just left a meeting with one of the ATV guys that helped write HB1632 and insurance IS NOT REQUIRED. Our county commissioner was there, retired from WSP and the Republic Chief of Police and insurance was brought up, no insurance needed, period.

I don't know who told you, you needed it, but they are wrong.

[whacker1]

OK, I was wrong.  I went back and re-read the bill summary.  I thought it had an insurance requirement, but no in looking at it, I don't see it there.  I am not sure if it was in a proposed version and removed or if I just imagined it.

Either way, below is the link to the bill summary.
http://apps.leg.wa.gov/documents/billdocs/2013-14/Pdf/Bill%20Reports/House/1632-S.E%20HBR%20FBR%2013%20E2.pdf

[CAMPMEAT]

OK, I was wrong.  I went back and re-read the bill summary.  I thought it had an insurance requirement, but no in looking at it, I don't see it there.  I am not sure if it was in a proposed version and removed or if I just imagined it.

Either way, below is the link to the bill summary.
http://apps.leg.wa.gov/documents/billdocs/2013-14/Pdf/Bill%20Reports/House/1632-S.E%20HBR%20FBR%2013%20E2.pdf

Idaho and Montana require insurance......

[ghosthunter]

Soooooooooo just a tiny off topic
If you are street legal. Than good to go on National forest roads?

[follow maggie]

My understanding is its ok on forest service roads if it's street legal.

[CAMPMEAT]

My understanding is its ok on forest service roads if it's street legal.

Soooooooooo just a tiny off topic
If you are street legal. Than good to go on National forest roads?

No. If you decide to ride in any NF in Washington, call and talk to the RANGER who runs that particular NF and ask. Each NF is ran by their own RANGER who decides if they will let ATV/ORV's ride in their own NF. Each one is different, so be warned you can get tickets big time.

If you are allowed to ride, make 100% positive you have your Drivers License, registration, current tabs, goggles and a big one, your HELMET and wear it, like it or not. That's the one that seems to get ticketed a lot. WDFW is big on not wearing helmets. I think it's a $124 for sure ticket.

[NOCK NOCK]

You are right Campmeat (my apologies)  no insurance needed in WA. I also learned that it is not needed on motorcycles either.  Could of sworn when I read the bill I saw a paragraph that said atv's would need comparable ins. coverage as auto's.
It sure is hard to believe the state will let cycles and quads on the road with no insurance. I am still going to get it though, heck I paid more for the Can Am than I did for my p/u when it was new. 

[CAMPMEAT]

You are right Campmeat (my apologies)  no insurance needed in WA. I also learned that it is not needed on motorcycles either.  Could of sworn when I read the bill I saw a paragraph that said atv's would need comparable ins. coverage as auto's.
It sure is hard to believe the state will let cycles and quads on the road with no insurance. I am still going to get it though, heck I paid more for the Can Am than I did for my p/u when it was new.

No apologies needed. But thanks. I'm sorta savy on the ATV stuff since I'm involved with it. I won't post anything if I know it's wrong. I'll find out first for you guys.
 
You guys need to join all the ATV clubs near where you live. I belong to 3 of them. Let me know if you do. You can join a club for $25 a year for a family.
 
When I was at the meeting last night, 95% of all ATV owners were over 50. The clubs are fun. They have campouts, BBQ's, rides. you name it. I bet 95-100% are hunters and gun owners. They have Search & Rescue too.

[follow maggie]

They don't require insurance for motorcycles because very few accidents are caused by people riding motorcycles. Almost all accidents are caused by people driving passenger vehicles.