Recreational Vehicle Insurance
When it’s time to go off-road, do you have the ATV insurance coverage you need for accidents, injuries or damage to your property? Whether you ride your all-terrain vehicle for fun or to get a job done, on a state trail or in the middle of nowhere, accidents and injuries can happen.
What Does ATV Insurance Cover?
It can be expensive to repair your all-terrain vehicle after an accident. If you are injured while on your ATV, the cost of medical treatment can be thousands of dollars. Many people think their homeowners or auto insurance policy provides the coverage they need in the event of an accident or injury, but this is usually not the case.
ATV insurance provides the coverage you need specifically for off-roading. Your policy will cover damage or injuries from an ATV accident, up to the limits of your policy. The components of your policy will typically include:
- ATV collision insurance: This portion of your coverage pays for structural damage to your vehicle if you hit another ATV, a rock, stump, tree or other object that causes significant damage.
- Comprehensive insurance, also called “other than collision”: This coverage pays damages that result from lightning, vandalism, animals, or theft, for example.
- Bodily injury and property damage liability coverage: If you cause an accident that harms another person or their property, your liability insurance covers those damages and your legal defense if you are sued.
- Uninsured/underinsured motorist coverage: This optional insurance covers you if another person causes harm to you or your property and is not properly covered to pay for those losses.
Talk with an agent about any additional or special insurance you may need. For example, if you have added customized parts on your all-terrain vehicle, you’ll want coverage in the event of a breakdown.
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