All-Terrain Vehicles (ATVs)

Why Do I Need ATV Coverage?

Protecting Your Off-Road Adventures

All-Terrain Vehicles (ATVs) offer thrilling experiences and adventures, but they also come with unique risks that require specialized insurance coverage. ATV insurance is designed to provide comprehensive protection for your off-road vehicle, ensuring you can enjoy your rides with peace of mind.

What Does ATV Coverage Entail?

ATV insurance typically includes several key coverages:

• Liability Coverage: Protects you in the event of an accident that results in property damage or bodily injury to another person. This coverage is essential for safeguarding against potential legal liabilities.
• Collision Coverage: Pays to repair damages to your ATV if it collides with another vehicle or object. This coverage ensures your ATV is protected against accidents.
• Comprehensive Coverage: Covers non-collision-related incidents, such as theft, vandalism, fire, and natural disasters. This provides protection against a wide range of risks.
• Uninsured/Underinsured Motorist Coverage: Protects you if you are in an accident with someone who doesn’t have enough insurance to cover the damages or isn’t insured at all.
• Medical Payments Coverage: Pays for medical bills for you or your passengers after an ATV accident, regardless of who is at fault.

Why Buy ATV Coverage?

• Financial Protection: ATV insurance provides financial protection against damage or injuries caused by an accident. This ensures you are not left with significant out-of-pocket expenses.
• Peace of Mind: Knowing you have comprehensive coverage allows you to enjoy your off-road adventures without worrying about potential risks.
• Legal Requirements: Some states and parks require ATV insurance to legally operate your vehicle on their trails. Additionally, if you are financing your ATV, your lien holder may require comprehensive and collision coverage until the loan is paid off.
• High Risk of Injuries: ATVs are prone to accidents due to the rough terrain they navigate. ATV insurance keeps you financially protected if you are injured while riding.

Additional Options for ATV Coverage

Consider these additional coverage options to enhance your ATV insurance:

• Custom Parts and Equipment Coverage: Protects custom parts and accessories added to your ATV.
• Safety Course Completion Discount: Offers discounts for completing approved safety courses, encouraging safe riding practices.
• Anti-Theft Device Discount: Provides savings for installing anti-theft devices on your ATV.
• Multi-Vehicle Discount: Offers discounts for insuring multiple ATVs or motorcycles under the same policy.

Why You Need ATV Coverage Even If You Have Auto or Home Insurance

• Limited Coverage: Auto and home insurance policies typically provide limited or no coverage for ATVs. Home insurance may cover injuries on your property, but not when riding off your property.
• Specialized Protection: ATV insurance is specifically designed to address the unique risks associated with off-road vehicles, offering comprehensive protection that standard policies cannot provide.
• Higher Liability Limits: ATV insurance includes higher liability limits to cover the greater risks of off-road riding.