BajaNomad - ATV Insurance Requirements

ATV Insurance Requirements

henshaw - 11-21-2013 at 06:48 AM

I recently bought a Quad here in Baja and am in the process of registering it for off road use in SD. Liability insurance seems to be a an issue with the Vagabundos Del Mar.
Text What are the insurance requirements for Quads in Baja and secondly what percentage of quads are actually insured?

Russ - 11-21-2013 at 07:07 AM

The only insurance I'm aware of/have is to tow it. Then you need to add the trailer and quad to your policy. I'll bet there is a liability policy some where tho.

driving it on roads?

akshadow - 11-21-2013 at 07:26 AM

Quote:

Originally posted by henshaw
I recently bought a Quad here in Baja and am in the process of registering it for off road use in SD. Liability insurance seems to be a an issue with the Vagabundos Del Mar.
Text What are the insurance requirements for Quads in Baja and secondly what percentage of quads are actually insured?

Are they saying you need to get the insurance?

CortezBlue - 11-21-2013 at 12:04 PM

Honestly, I don't have any insurance on any of my 3 quads in San Felipe

weebray - 11-21-2013 at 01:11 PM

Honestly, someone here has too much money here. You better go check up on your dog insurance too. And what are you gonna do if your wife turns rabid?

henshaw - 11-22-2013 at 07:39 AM

Thanks Weebray, your a real sugar plumb !

bajaguy - 11-22-2013 at 07:42 AM

I would contact Geoff at Bajabound Insurance and see what info he has.

Quote:

vgabndo - 11-24-2013 at 04:12 PM

I'll be taking a quad into Baja which hasn't been registered, even in Idaho, for 9 years. My recollection was that I'd have to get a California green sticker, and that was adequate to operate in Baja. Like a moto cross bike. Where operating a quad on paved streets is common, I'd be curious to know what the answer was about quad street insurance.

liknbaja127 - 11-24-2013 at 08:03 PM

We take your prerunner down all the time. It has green sticker, they always
check reg. our insurance only covers on trailer. Has any one heard of driver licences insurance? they say will cover you if you have an proplem while
driving your off road vehicle!

drivers lic ins

akshadow - 11-24-2013 at 09:10 PM

Quote:

Originally posted by liknbaja127
We take your prerunner down all the time. It has green sticker, they always
check reg. our insurance only covers on trailer. Has any one heard of driver licences insurance? they say will cover you if you have an proplem while
driving your off road vehicle!

My insurance lady, Lynda B. tells me it is good for cars that do not have Mexican plates. when asked about a car without a valid current registration of any kind they sort of cough and say "well" ... But guess real reason for insurance is to convince a policeman that you have coverage so if they believe you are covered you can leave. Not sure what would happen with a real claim especially an injury accident.

Santiago - 11-25-2013 at 07:01 AM

Quote:

Originally posted by weebray And what are you gonna do if your wife turns rabid?

Go find Atticus Finch.

weebray - 11-25-2013 at 04:37 PM

Quote:

Originally posted by Santiago
Go find Atticus Finch.

Oh, that's a good one, I admit I had to Google it but it really does fit. The answer to the original question is: Go talk to an insurance agent about it. I'm sure he will tell you that you HAVE to have insurance. I am equally sure he will find a way to "lighten your load".

BajaGeoff - 11-25-2013 at 05:38 PM

Couple thoughts on all this...

1. Quads, dirt bikes and any other non-street legal vehicles without plates are eligible for liability coverage but it only applies on municipal roads (this includes graded dirt roads). You can also list non-street legal vehicles with their market value as towed/carried items on your primary vehicle policy to have them covered for damage/theft when being transported/stored on the primary vehicle.

2. The insurance law that went into effect a few years ago in Baja Norte states that all vehicles must carry at least liability insurance. It does not specifically state vehicle types or reference off-road vehicles, so it is fairly open to interpretation. My suggestion: If you are going to drive in town a lot, on municipal roads and around populated areas, it is probably a good idea to have liability coverage. My dirt bike (registered with a CA green sticker) is covered for $4,000 on my 4Runner policy for damage/theft while being towed/stored on the vehicle and I have a separate liability policy for when it comes of the 4Runner. A basic liability policy with $50K in coverage on a dirt bike is $116 for the year....about $10 a month.

3. Regarding drivers license policies....some will cover you while driving off-road vehicles and some do not, so double check your policy. In general...if a drivers license policy does cover you for liability on a quad or dirt bike, it will not provide medical coverage. No Mexican insurance carriers will provide medical coverage for any kind of motorcycle, even street legal ones.

4. Based upon what I see, very few people get basic liability insurance on their quads/bikes. Most times they are being ridden off of municipal roads anyway where there is no coverage. I don't know how strict the authorities intend to be with the new mandatory insurance law, but we have not really heard of it being enforced thus far even for regular passenger vehicles. I like having that piece of paper in my backpack though...

vgabndo - 11-25-2013 at 06:09 PM

Thanks Geoff, that helps a lot. I DO like having the paper in my pack, so to speak, but if it doesn't cover me except when I buzz across the village to the mercado... I'll have to give it some thought.

Thanks again

liknbaja127 - 11-25-2013 at 07:37 PM

Yes, thanks Geoff for the invo! I will talk to my insurance guy that covers
my truck, sure he will be happy to sell more! But I think like Vgabndo,nice to have that extra paper.