Coverage protection
for all the fun stuff
Let us improve your risk profile, develop solutions that fit your operation.
Off-Road Insurance Protection
Daniels Insurance Agency is a full-service insurance firm that provides coverage for your cars, home, and other valuables. We also know that here in the Land of Enchantment, many residents love their ATVs and snowmobiles, and we’re ready to help you insure them and the liability exposures that come with these vehicles.
ATV Insurance
Whether you use an all-terrain vehicle for light-duty work around your property or use it for joyriding, you want to insure it against theft or serious damage. Adding Comprehensive coverage to your ATV insurance policy offers protection if your vehicle is damaged by something outside of a collision, such as fire, theft, vandalism, flood, or falling objects.
You also want collision coverage should your ATV get badly damaged in an accident that is your fault. Collision insurance covers damage from stationary hazards, such as hitting a hidden tree stump or a large rock. Collision coverage doesn’t address minor harm, such as dents and other cosmetic damage, since most ATVs are subject to that from daily use.
You could be responsible for restitution if someone is injured or their property is damaged due to your ATV use. You could even be sued. The Liability portion of your ATV policy will help pay for your legal defense and payouts you are liable for up to the limits of insurance stated in your policy.
Also, if you are hit by someone with too little or no insurance, you may need help to pay your repair and recovery bills. If you have Uninsured Motorists insurance/Underinsured Motorists insurance under your ATV policy, your insurance company will pay for what
the at-fault party is legally liable for, up to your coverage limits. Your lost wages related
to the accident may also be included in that coverage.
Snowmobile Insurance
We can provide many coverage options for your snowmobile. Our Snowmobile insurance policies can cover Bodily Injury Liability if you cause an accident that hurts someone else; Property Damage Liability if you are at fault for damage to their property through the use of your snowmobile; Collision coverage, which will pay for repairs to your snowmobile if damaged in an accident; and Comprehensive coverage to help out if your snowmobile is stolen or damaged from something other than a collision, such as vandalism or fire.
Some of our insurer partners will also cover safety apparel, the trailer you use to transport your snowmobile, and extra equipment such as towables and sleds used with your snowmobile. Custom seats and windshields may also be included.
Users require different coverage, so we will thoroughly analyze your riding style and usage. Infrequent users or weekend trail riders may receive a different premium and coverage than more aggressive snowmobilers.
Daniels Insurance Agency: Your Trusted Risk Advisor
Founded in 1937, Daniels Insurance Agency has three locations throughout New Mexico and is licensed in every state to serve not only our local region but also clients with a national footprint. As an Assurex Global partner, we are among the world’s most prominent independent agents and brokers. We’re also a member of the Independent Agents & Brokers of America, a national alliance of business owners and their employees who offer a wide range of insurance and financial services products.
Our staff of 42 employees throughout our three locations is ready to provide you with the white-glove service you should expect from your insurance consultant. In fact, you’ll always reach someone at Daniels Insurance Agency. You can depend on that.
Give us a call at 800-530 8885 to find out how we can work together.
