Whether you have an all-terrain vehicle (ATV) for recreational purposes or general commuting, it’s wise to protect it with an ATV insurance policy. ATVs frequently encounter rough terrain, which can strain the vehicle and increase the risk of injury for the driver or passengers. Through ATV insurance coverage, you will help protect your vehicle, the riders, and yourself should an accident or incident occur.
What is ATV Insurance?
ATV insurance is a policy that protects your ATV in the event of an accident. It’s similar to motorcycle insurance since ATVs are usually covered under the same kind of policy as motorcycles. Certain states require ATV coverage, but coverage is always a good idea, even without state requirements. ATVs and off-road vehicles often encounter rough terrain and complicated pathways, increasing the likelihood of damage or injury. ATV owners can protect themselves and their vehicles with the right ATV policy.
What Kind of Coverage Can ATV Insurance Provide?
ATV owners can protect their vehicle with several coverage options, including:
Bodily Injury Liability
Bodily injury liability is automatically included when you sign up for ATV insurance. This coverage handles damages up to the claims limit should parties experience injury or death in an incident involving your ATV. It also covers legal fees up to the claims limit should the policyholder face litigation around their ATV.
Property Damage Liability
Property damage liability protects the policyholder in the event of property damage caused by the ATV. This coverage option is typically included automatically in the insurance policy, similar to bodily injury liability, and covers up to the claims limit for property damage.
Collision coverage handles repairs should a vehicle collide with your ATV or if your ATV overturns and suffers damage.
Comprehensive coverage protects your ATV from non-collision-related damage like falling objects or hitting an animal. It also covers your vehicle if it is stolen, vandalized, or damaged by natural events (i.e., hail storms, floods, fire, earthquakes, etc.).