ATV Insurance

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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:

  • 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/under insured 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.
  • 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.

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.

Is ATV insurance needed?

Without adding an ATV to your policy, you may have automatic liability protection (please talk with your agent so they may check with your particular insurance provider), however, this coverage if given would only cover while on your own insured property and would not include damage to your ATV, regardless of cause.

Many home insurance carriers allow for ATVs to be added to your home policy. If your home insurance company allows you to add coverage for your ATV, you can decide on if you would like only liability coverage or if you would like coverage for your ATV if it is damaged in an accident (collision) or acts or nature (comprehensive). Even if you add to your home policy, it will not include coverage for uninsured and under insured motorist (See above). Keep in mind if you do add your ATV to your home policy and you have a claim, this may affect your home insurance as it will count as a claim against your home policy. Of course, in this sue happy society that we live in, you would be wise to make sure that you have coverage for your ATV.