RTV insurance in NY

 The guy that Doug is dealing with is a good ole down home boy. He is a very nice young man that I have know since he was a baby.

 yep if you can't trust your dealer then you shoudn't buy anything from him.i know i wouldn't buy anything from the bota dealer by my house. he acts like a used car salesman.lol he wanted almost 14k for a basic rtv900 and lied about how he sales them as fast as he can get them.i later found out that he has to ship them out to other dealers because he can't sale them.maybe if he came down on his price he would maove a few more.i asked if he would be interesed in putting some of my stuff on the botas on his lot and he told me it was not alowed by bota to put aftermarket stuff on their rtv's he then showed me a booklet and said bota nakes all the accessories they need . i looked at the book and wanted to laugh at what they had to offer. his loss not mine i'm in the prosess of finding a dealer who will put the stuff on at his lot and just deal with him only.i'm waiting for the dealer by the house to find my number and call me but it's gonna be to late .plus i'm gonna tell him i thought bota didn't allow the afatermarket parts to be put on.

 River,

Lets try again with my post that was lost.........My insurance agent here in Pennsylvania said that my home owners would not cover my RTV and that I would have to buy insurance.  So this is what he sold me.........Under Liability coverage we have bodily injury limit each person 250,000 and for each accident 500,000.....under property damage liability we have each accident 250,000..............Physical damage coverage has a 1000.00 deductible............This policy also does not cover damages from a underinsured or uninsured person or vehicle.........The premium is 206.00 per year...........OK fellow Pennsylvanians,,,,,,How does your policy's compare to this..........

Rusty Anvil,,,,,,,,,,,

RUSTY ANVIL:

The premium is 206.00 per year...........OK fellow Pennsylvanians,,,,,,How does your policy's compare to this..........

 

My coverage is the same and I believe my premium is very close to yours.

 Bczoom,,,,,

It's always good to hear from you....Thanks for stopping by with your opinion............

Rusty Anvil.........

 My State Farm home owner's policy covers the ATV, tractor and RTV for fire and theft only. They can only be used as work machines, this means the kids and others don't play on them. If I let the kids or friends drive them I would get a separate policy.

 Heck, as cheap as these insurance policies are for the off-road RTV's, one should just go ahead a get a full coverage policy and be done with it. That way, your butt is covered all around. It's just that simple !!!!!!!  All the ones checked into is less than $100.00 per year.  That's a small price to pay on such a expensive investment as we all have in the RTV's >>>>

                        ~~~~~~ Two Guns ~~~~~~

 Doug, as an Independent insurance agent, I would encourage you to only  accept advice from an agent in your home state. What is in another state's Progressive (or any other company's)  policy may not necessarily be in a New York policy. Cost of different limits of coverage can sometimes be minimal (i.e.,$1,000. deductible v.s. a $500. deductible or higher v.s. lower liability coverages. Do Not assume! Ask specific questions, such as some posts herein have suggested. Don

 This explains Kubota insurance: http://www.ktacinsuranceagency.com/

forest dweller:

 My State Farm home owner's policy covers the ATV, tractor and RTV for fire and theft only. They can only be used as work machines, this means the kids and others don't play on them. If I let the kids or friends drive them I would get a separate policy.

You may want to double, triple, quadruple check that...

PA requires ATV's and UTV's (and your RTV) to be titled, registered and insured (but there's some exceptions for farm equipment).

As soon as PA required registration and plates, they're registered vehicles and no longer qualify to fall under homeowners.  I had State Farm when PA started this.  It was a mess but State Farm cannot put ATV's or UTV's under homeowners in PA.

 bz,

I did do a triple check with my agent. As long as they are used for farm or work purposes and didn't go off my property they are covered by my home owners policy. I didn't register them for plates with the DCNR because they aren't used off my property. After reading the posts some time back I went and rechecked with my agent and the dealer just to make sure this was correct. I haven't seen anything documenting otherwise.

forest dweller  

   Not wanting to show any disrespect to any insurance company, insurance agent, or anybody in general.

    BUT YOU BETTER HAVE EVERYTHING IN WRITING !!!!    PERIOD   >>>>>>>> That covers everything !!!!!

   Verbal B.S. from a agent will not cover your butt !!!!!  MAKE HIM PUT EVERYTHING DOWN ON PAPER !!!!!

    If he just tells you something, and it quite is not what he says, ( they make mistakes also )  YOU are the one that is paying for it, not him.

    For I know this for a fact !!!!   AFTER the incident, the agent saying " well, I thought it was covered by this or that " don't get it covered. I paid dearly for this lesson.....DEARLY !!!!!!!!!!!!!!!!!   My ass now has EVERYTHING in writing, has WAY more insurace than needed !!!!! And ALL IS IN WRITING !!!! THAT'S A FACT >>>>>>

            ~~~~~~~~~ jamie

 jamie,

Your right about getting it in writing. I will have to stop in and ask the agent to show me on my policy where it has me covered. If not give me something for my records.

fd

Here's the site for PA's requirements on titles, registrations and insurance.

http://www.dcnr.state.pa.us/forestry/atv/registration.aspx

If you fall into their "exclusive use" for agriculture or business and it stays on your land, you're probably OK.

I called my insurance agent on Monday after the guy from Snell's (dealer) left my brand new RTV 1100 in my yard. Agent had previously told me that it was insured by my homeowner's policy for use on the property only, and then only for liability, fire, and theft. Physical damage is not covered. My dealer had told me that the Kubota insurance policy ONLY covered physical damage to the machine, and would cost $176.76 per year. He didn't know if I could continue to carry the insurance after the term of the Kubota 0% loan. Anyway, bottom line, I purchased a separate policy from my agent. It is from Progressive (got a multi-vehicle discount because I also insure my boat with Progressive). Coverage is:

Liability - $300,000

Pedestrian PIP - $50,000 per person

Aggregate pedestrian no-fault benefits

Supplementary uninsured/underinsured motorist - $300,000 per accident

Medical - $5000 each person

Comprehensive, $500 deductible

Collision, $500 deductible

Accessory coverage (plow)                                        $4000

Total cost:    $159 per year

A no-brainer, and I already have insurance cards, similar to what I have for my cars.

Doug, in St. Lawrence County, New York