You are right on the money Ducman...I had the same ins. on my 700 Kawi quad and got hit by a bike....bent the rear axle and back wheel...$900 dollars....2 months later I rolled it down a dune and totaled it....Allstate paid cash value(actual price of a new quad) plus they paid me for every after market part I had a reciept for.....I know I sound like an Allstate Salesman but you really cant beat the cost if you ride hard or have bad luck like I seem to be having....As long as Its not a racing type acc. your covered.....I really didnt like the 700 anyway...put thousands of $ into it and still got my ass kicked by Banshees....Thats why I bought one.....sd