Jim,
Since you already got the ATV's, mind if we talk insurance/registration for a minute?
</font><font color="blue" class="small">( Brian,
Just to clarify, I am an insurance agent (in PA), a CIC (Certified Insurance Counselor) to boot. Of the 6 insurance companies we represent that write homeowners insurance, NONE will add ATV's onto the HO policy. Only exception to that is that one company will add both liability and physical damage coverage onto a FARMOWNER policy. However, that same company will not add them to a homeowners policy.
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Don,
Glad to have you here to see if I'm on track. As I understand it, here's how it went (in PA). Prior to 10/1/03 no ATV's required registration/insurance. A new law went into effect on that date that required both. Once a vehicle is registered, it is no longer allowed on a homeowners policy. In other states that don't require registration, if it is utilitarian type ATV it "can" be added to a homeowners policy.
</font><font color="blue" class="small">( As for title and registration, did you get a title for the RTV? I did not, nor did the dealer give me any registration paperwork, which I believe is required when selling an ATV. I don't have any paperwork which would make me think I need to treat the RTV any different than I do my JD 855 as far as insurance and registration goes. From a pure technical standpoint, I don't believe I can legally drive my JD on public highways. I do, and I've been passed by lots of State Police while doing it. My guess is that if I'm putting up the road in my RTV with the spray rig in the back, they'll beep and wave as they go by.... Only time will tell.)</font>
OK, title/registration/insurance on the RTV....
Yes, PA does consider it an ATV and it does need title/registration/insurance.
To get a title:
Go to the ATV section of the DMV web site (access through
www.state.pa.us).
There's an application form available online. Print it and fill in the blanks. Attach a copy of your bill of sale. NOTE: If the bill of sale doesn't have the full VIN (they normally only put the serial # on the receipt), take a picture of the VIN plate on the RTV and include. (VIN is above the battery).
When you fill in the blanks, you'll also fill out the section for registration/plates (and pay the $). A couple weeks later, you'll get a license plate, title, registration sticker. All you need now is insurance.
Brian
