ATV Insurance

AS AN ATV OWNER, THERE ARE A COUPLE OF THINGS YOU NEED TO KEEP IN MIND:

  • ATVs have a high theft rate.
  • Your homeowner’s insurance may not cover your ATV if you ride it off your property or if you trailer your ATV to another location.
  • If you use your ATV in a state-owned or public park, ATV insurance may be required.

What Does ATV Insurance Get You?

  • Collision: Pays for damage to your ATV when it hits, or is hit by, another vehicle or other object. This coverage is available with a $500 or $1,000 deductible.

  • Property damage liability: Insures you against certain damages caused to someone else’s property while operating your ATV and in most cases, provides you with a legal defense for such claims if another party files a lawsuit against you.

  • Bodily injury liability: Insures you against certain damages if you injure or kill someone while operating your ATV and in most cases provide you with a legal defense if another party in the accident files a lawsuit against you.

  • Comprehensive physical damage: Pays for covered losses resulting from incidents other than collision - such as theft, fire or vandalism. This coverage is available with a $500 or $1,000 deductible and is limited to damage that affects the structure or safe operation of the vehicle.

  • Medical payments: This can be selected to cover medical expenses for yourself and your passengers.

  • Uninsured/Underinsured motorist’s: Insures you against certain damages in the event of an accident that occurs on a public road or highway where you are struck by someone with no insurance coverage or limits that are lower than yours. The uninsured vehicle must be a vehicle that is designed to be insured and registered for use on a public road or highway (such as a car, truck, or motorcycle).