I have a 4-wheeler - What should I consider?

Consider protection for your:

4-wheeler, trailer, liability coverage in case of bodily injury to others or property damage to anothers 4-wheelers or other property, medical payment protection for you and your passengers

Many 4-wheelers are inexpensive enough for people to consider self-insuring. However, by doing that many people overlook liability protection. If your 4-wheeler is involved in an accident that injures someone else or their property you are responsible for those damages. Depending on the incident those costs could be small or a severe accident could result in damages costing several hundred thousand dollars. There is nothing wrong with self-insuring, as long as you can afford to pay for any damages you cause.

Considering that 4-wheeler insurance is relatively inexpensive you may wish to transfer that risk over to your insurance company.