ATV Insurance: what you should know
Whether you’re driving your ATV for fun, work, or both, it’s important to get the right insurance coverage. Your local Trusted Choice independent agent can help you evaluate your needs and shop for ATV insurance policies from a variety of carriers to find the best protection at an affordable premium.
1. Liability
ATV insurance is a specialized type of policy that protects you against losses associated with your recreational off-road vehicle. It typically comes with a premium and deductible, so it’s important to make sure it fits your needs and budget.
Liability coverage is one of the most essential types of ATV insurance and is often required by state regulations. This coverage pays for medical expenses and property damage if you cause an accident while riding your ATV or a passenger is hurt on it.
It also covers other people injured in the accident if they’re not covered by your liability policy. It also covers the costs of legal fees if you are sued by someone else for an ATV-related incident.
Collision is another optional type of ATV insurance that covers damages to your vehicle if it’s involved in a collision with an object or another car. This can be useful if you don’t want to have to pay for the cost of repairing your ATV yourself, but it can be expensive.
2. Collision
Collision coverage is a key part of your ATV insurance policy. It helps cover the cost of repair or replacement of your ATV if you get into an accident with another vehicle or a tree.
It also covers damage to your ATV caused by other causes, like vandalism or falling objects. It can even cover damage to your ATV if it is stolen or goes off the road and isn’t recovered.
Comprehensive coverage is an optional addition to your ATV insurance policy that can help you pay for losses that aren’t collision-related. It can protect your ATV from theft, floods, fire, and earthquakes.
As with most types of insurance, it’s best to shop around and compare quotes. A good agent can point you to the cheapest rates and help you make informed decisions.
3. Comprehensive
ATV insurance is a must-have for those who ride off-road, as it can help you cover the cost of repairs or replacement if your vehicle gets damaged in an accident. It can also help you recover from the financial loss of an accident if another party is found to be at fault.
Liability coverage pays out for bodily injuries or property damage to others caused by your ATV, and it covers your legal costs if you face a lawsuit. Some policies will also include medical payment supplements to pay out for the medical bills of anyone else who is injured in an ATV accident.
Collision coverage can pay to repair your ATV if it is involved in an accident with a fixed object, subject to a deductible. Comprehensive coverage can also cover your ATV from damage caused by weather conditions, vandalism, or theft.
Some insurance companies offer discounts if you complete a safety course or pay your premium in full rather than monthly payments. Other ways to save include bundling your ATV insurance with your car or home policy.
4. Medical Payments
If you or someone on your policy is injured while driving an ATV, medical payments coverage (also known as personal injury protection or PIP) can help pay for X-rays, surgeries, and hospital stays. It is not required by law in most states, but it can be a valuable addition to your coverage.
ATVs are vehicles that are primarily designed for off-road use, so it is no surprise that operators and passengers often sustain serious injuries while on the road. These injuries can be expensive and long-lasting, as they may require emergency room visits, X-rays, and even transportation via ambulance.
Typically, the best way to get ATV insurance is by shopping around for several different carriers. Bundling policies can save you money, as well.
ATV insurance also includes optional add-ons like uninsured/underinsured motorist coverage, which can cover your expenses if you are hit by someone who doesn’t have enough insurance to pay for the damages. There are minimum amounts for this coverage, too, so it is best to shop around before purchasing any ATV insurance.
5. Uninsured/Underinsured Motorist Coverage
If a driver on another ATV causes an accident and does not have sufficient insurance, uninsured/underinsured motorist (UM) coverage can cover the costs. This coverage is usually required by law and helps pay for medical bills, lost wages, and other expenses.
In some states, UM coverage is offered as an optional add-on to liability, but not all do. If your state requires UM coverage, you should buy it in amounts that match the liability limits on your policy.
Like liability, UM coverage includes bodily injury and property damage. It also pays for your medical and legal bills if you are sued.
Often, this coverage is broken up into limits that are per person and accident, but some states allow drivers to combine limits into a single amount.
When you get a quote for ATV insurance, ask our experts about additional options and discounts for riding safety courses, having multiple vehicles insured, or adding collision and comprehensive coverages to your policy.We’ll work with you to create a strategy that satisfies both your requirements and your financial constraints.
6. Medical Payments for Passengers
If you’re a rider on an ATV, you may want to add medical payments for passenger coverage to your policy. This can be especially helpful if you have kids who ride with you and they might get hurt in an accident.
This type of coverage is often required in some states. If you are not sure if this coverage is required in your state, check with the state motor vehicle department to learn more about the requirements.
This type of coverage covers medical expenses for passengers who are riding on your ATV, even if they weren’t riding with you at the time of the accident. This can help cover things like X-rays and hospital stays, as well as transportation to and from the hospital in an ambulance.
7. Bodily Injury Coverage
Riding off road is the ultimate adrenaline rush, but it also comes with risks. If you ride on public trails, state parks, or private land, then it’s important to consider purchasing ATV insurance to protect yourself, your vehicle, and others.
It’s worth the relatively minimal cost compared to the risk you face.
ATV insurance policies often include bodily injury liability, which covers medical expenses and legal fees for people who are injured in a covered accident. The limit is selected when you purchase the policy.
You can also buy property damage liability insurance to pay for damages to someone else’s property if you cause an accident. This can cover damage to fences, houses, or trees if you hit them.
ATV insurance agents will help you select the coverage that best fits your unique needs. They’ll ask about your riding style, the terrain you often drive on, and how often you use your ATV.
8. Property Damage Coverage
ATV insurance is a special kind of policy that is designed to protect off-road vehicles like ATVs and UTVs from damages and losses. The premiums for this type of coverage vary depending on the vehicle, location, and other factors.
Property Damage Liability Coverage: This covers the costs of damages that your ATV causes to someone else’s property. It usually has a limit of a certain amount for one incident, which is lower than bodily injury liability.
Medical Payments: This is a form of ATV insurance that helps to pay for medical expenses, such as x-rays and emergency room visits if you are injured while riding your ATV. It is optional and can be added to your ATV insurance policy for a small fee.
The best way to get a low ATV insurance policy is by bundling your policies with the same company that insures your home and car. Also, many insurance companies offer discounts to customers who make safe driving and other habits a priority. These savings can be used to offset the cost of your premiums over time.
9.the conclusion of the ATV insurance guide
ATV insurance is a specialized type of policy designed to provide financial protection for off-road recreational vehicles. Its main purpose is to cover your ATV if it is damaged or stolen. Like car insurance, it consists of liability and medical coverage, as well as optional comprehensive and collision coverage.
The costs for ATV insurance vary based on your location, the make and model of the ATV you own, as well as your driving history, and other factors that influence risk. Your insurance rates will also be influenced by the frequency you use the ATV.
You should also consider adding coverage for property damage and bodily injury liability. These two protections will pay for your legal defense and other expenses if you are at fault in an accident and cause damage to another person’s property or injuries.
Finally, you should consider adding medical coverage. This can be especially beneficial if you are hurt while riding your ATV and need to seek treatment from a hospital or doctor.
Getting ATV insurance is not always mandatory in all states, but it is a good idea for anyone who owns or uses an off-road vehicle. It is a great way to get financial protection should something go wrong and help you recover faster from an accident.