Summer Insurance and Safety Tips for Motorcycles, ATVs, and Boats in Wisconsin

 In Best Practices, Insurance Advice, Insurance Information, Lifestyle

As summer arrives in Wisconsin, it’s the perfect time to hit the open road on your motorcycle, explore off-road trails on your ATV, or enjoy the state’s beautiful lakes in your boat. While these activities are fun and exciting, ensuring you have the right insurance and following safety tips is crucial for a fun and worry-free summer.

In this blog post, we’ll cover summer and insurance safety tips for motorcycles, ATVs, and boats in Wisconsin.

Check Out These Safety Tips for Motorcycles, ATVs, and Boats

Having adequate insurance coverage for your motorcycle, ATV, and boat is not only a legal requirement but also a vital safety net in case of accidents, theft, or damage. Additionally, following safety guidelines can prevent injuries and save lives.

Check out these summer insurance and safety tips to keep in mind as you enjoy your summer adventures in Wisconsin.


  1. Insurance Coverage: Ensure your motorcycle insurance policy includes liability coverage, which is mandatory in Wisconsin, as well as comprehensive and collision coverage to protect against theft, vandalism, and accidents. Uninsured motorist coverage is also required in our state.
  2. Safety Gear: Always wear a DOT-approved helmet, gloves, jacket, pants, and boots to minimize injuries in case of an accident.
  3. Regular Maintenance: Regularly check your motorcycle’s tire pressure, brakes, lights, and oil levels. Proper maintenance can prevent breakdowns and accidents.
  4. Ride Safely: Follow all traffic laws, avoid aggressive driving, and stay alert for other vehicles. Wisconsin’s scenic routes can be distracting, so focus on the road.


  1. Insurance Coverage: ATV insurance should include liability, collision, and comprehensive coverage. Given the rugged terrain and potential for accidents, it’s wise to have medical payment coverage to cover any medical expenses in the case of an accident.
  2. Safety Gear: While riding, we recommend wearing a helmet, goggles, gloves, long sleeves, and sturdy boots to protect yourself.
  3. Trail Knowledge: Familiarize yourself with the trails and abide by all posted signs and regulations. Stay on designated trails to protect both yourself and the environment.
  4. Riding Techniques: Learn and practice proper riding techniques. If you’ve never rode an ATV before, consider taking a safety course  or learning from an experienced rider.


  1. Insurance Coverage: While boat insurance isn’t required in Wisconsin, we recommend having a boat insurance policy that covers liability, collision, comprehensive, and uninsured boater coverage along with coverage for personal property and emergency services.
  2. Safety Gear & Equipment: Equip your boat with life jackets for all passengers, fire extinguishers, flares, and a first aid kit. Before heading out, make sure all equipment works properly and is in good condition.
  3. Weather Awareness: Check weather forecasts before leaving. Wisconsin weather can change quickly, and storms can make boating dangerous.
  4. Boating Laws: Adhere to all boating regulations, including speed limits, and no-wake zones. Be mindful of other boaters, swimmers, and wildlife.

General Summer Insurance and Safety Tips

  1. Review Your Policies: Before embarking on any summer activities, review your insurance policies to ensure you have adequate coverage. Contact American Advantage – IFS if you need to make any adjustments.
  2. Safety Courses: Consider taking safety courses for motorcycles, ATVs, and boating. These courses can provide valuable knowledge and skills to handle emergencies.
  3. Stay Sober: Never operate a motorcycle, ATV, or boat under the influence of alcohol or drugs. Impairment can significantly increase the risk of accidents.
  4. Emergency Preparedness: Carry a fully charged cell phone and let someone know your plans and expected return time. Having a communication plan in place can be crucial in an emergency.

Following these summer insurance and safety tips can help ensure a safe and enjoyable summer in Wisconsin. Proper insurance coverage and adherence to safety guidelines are essential for protecting yourself, your loved ones, and your vehicles. Enjoy the thrill of the open road, the excitement of off-road trails, and the serenity of Wisconsin’s waterways with peace of mind.

For more information on insurance options and personalized advice, contact American Advantage – IFS or request a quote. Stay safe and have a fantastic summer!


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