Does an insurance also cover little damges? (as plastic broken?)

 

You will probably have a deductable somewhere between $200 and $500, but if you wreck it they should fix everything, even the minor pieces.

 

Your insurance covers only what is in the policy. If you only have liability on your machine you essentially get no coverage for your machine but coverage for damage you cause to others. If you have collision or full coverage, it will probably cover your damaged plastic unless you did it intentionally. If someone was riding your machine without your permission, the insurance company will probably go after that person after paying you.
You need to know what your deductible is AND you need to weigh whether the payment on your claim is worth having your rates go up or getting dropped from your current carrier.
For example...
you are riding your quad and roll it over.
you need a new front fender, bars, grips, clutch lever, and headlight. Add all of that up retail cost plus dealer cost labor to install. Then subtract your deductible. This is the amount they may pay you. Sometimes they take the total for repairs minus the amount of wear and tear that your damaged parts had before they got damaged and then subtract the deductible and pay the rest.
Depreciation [wear/tear] is usually based on the average useful life of the item and/ or the condition prior to the damage.
For example... you have a 1984 atc 200 that has been left outside every day of its life and has been used to knock down dry corn stalks as well as haul rolls of barbed wire to the back 80. It is almost guaranteed that your replacement allowance will be fully depreciated.
Example 2... you have a 1984 atc 200 that has only been used for the 4th of July parade. You just bought it from the old man that bought it new. It was in his heated garage where he changed the oil religiously and polished all of the plastic. This would probably be depreciated very lightly if at all.
I would suggest the following steps...
1- call your agent and find out if its a "covered loss".
2- if it is DO NOT put in a claim yet! Tell him/her you are just asking.
3- find out from your local shop what it will cost to fix the DAMAGE FROM THIS LOSS ONLY. Shops love to add on everything they can find but insurance companies are expert at looking for the fat to trim off of the estimate. All you will do is waste your time by getting an estimate for everything.
4- do the math... estimate-depreciation-deductible=payment.
5- figure out if that payment is worth getting your rates increased or getting dropped by your insurer.
6- if its worth it call your agent and set up the claim.
Hope this helps.