First Name: Jim
My RZR: 2011 Pursuit Camo, 2012 800-4 Robby Gordon
Join Date: Sep 2010
Location: N.W. Wyoming
Feedback Score: 1 reviews
Re: Do you carry insurance on your RZR
i was passenger in a xp that rolled over and i lost 3 fingers! driver had no insurance...doctor bills are getting close to $70,000 and still adding up. do yourself a favor and fully cover it!
Exactly. Medical payments coverage would have applied first, there is no need to determine fault for that, but your bills have eclipsed the highest limit of Medical Payments there is. This is where GUEST RIDER LIABILITY coverage becomes important, it is generally written at the same limits as the Bodily Injury Liability is, and is broader than the basic bodily injury liability which is really in place to cover bodily injury suffered by a rider/operator of another vehicle that the insured's vehicle negligently collided with, or otherwise caused to crash.
If your policy does not list Guest Rider Liability as a separate coverage, then find another policy.
Last but not least, always sign up for the maximum Bodily Injury Liability, Guest Rider Liability, and Medical Payments that is offered you. This is the cheapest insurance you can buy, until it is needed and you did not buy it.
2011 Pursuit Camo
Polaris Soft Cab and Heater and Flip- Out W/S
Polaris Front and Rear Brush guards, S Flairs, EPS, EBS
Polaris Accessory Rack with Gun Rack and Gun Boots
Maxxis Big Horn 26X9X12 tires on OMF Beadlock Rims
FUTV 1/2" Skids, Sliders, A-Arm and gas tank Protectors
Makin Trax Progressive Springs, Walker Evans Shocks, Dual Batteries, Sirius Satellite Radio