All-terrain vehicle (ATV) insurance protects you from potential liability for property damage and injuries to others caused by an ATV accident. Most policies include medical and liability coverage as well as additional optional provisions.
An ATV insurance policy isn’t necessary when riding on your own land, but public trails or other people’s property require it. An agent near you can help you select an appropriate policy with appropriate limits for your off-road vehicle.
Liability Coverage
Liability coverage pays for damages to others if your four-wheeler causes an accident, and may cover legal fees in case someone sues over what happened.
Collision coverage provides financial relief in the event that your ATV hits another vehicle or object, rolls over, or becomes damaged from weather events or vandalism. Typical coverage amounts are $500 or $1,000 with a $500-1,000 deductible payment required.
Medical Payments Coverage can assist in covering you and/or your passengers’ medical costs after an accident regardless of who was at fault, making this an attractive choice to consider.
Uninsured/Underinsured Motorist coverage protects you from drivers without sufficient insurance to cover an accident caused by them, making this an essential feature in ATV/SxS policies.
Many SxS and ATV insurance policies feature saving features that can help you cut costs, like decreasing deductibles or providing the option to purchase a replacement off-road vehicle free of cost in case yours is totaled. It is worth exploring all available options to you when looking for SxS/ATV policies.
Medical Payments Coverage
Medical payments coverage (also referred to as personal injury protection) provides compensation for injured parties on your ATV regardless of who was at fault in an accident, regardless of whose fault it may have been. Although optional coverage in most states, adding it would likely prove beneficial in case something goes wrong while riding your ATV.
Collision damage coverage will help pay to repair your ATV should it be damaged in an accident that you cause, while comprehensive physical damage coverage covers losses incurred from incidents other than collision, such as theft, fire or vandalism.
Many people incorrectly assume their car or homeowners insurance will cover their four-wheeler in an accident, however it’s best to obtain separate ATV coverage to maximize protection and to stay safe on the trails. Our fast and convenient claims service can help get you back out on the trail quickly should the need arises.
Comprehensive Coverage
ATVs typically fall under the same type of insurance coverage as motorcycles. However, ATV insurance tends to be significantly cheaper due to fewer accidents and claims being filed compared with motor vehicles.
Uninsured/underinsured Motorist Coverage (required or optional, depending on state): Similar to bodily injury liability coverage, uninsured/underinsured motorist coverage compensates you if the party at fault doesn’t carry enough insurance to cover your injuries and repairs to your ATV if no coverage exists or enough is insufficient to cover them.
Collision coverage (optional): Collision insurance provides financial relief in case of damage to your ATV from being involved in an accident with another vehicle, object, or from overturning. A deductible must also be met before insurance begins covering costs.
Comprehensive ATV insurance is an optional feature that covers damages caused by theft, floods, earthquakes and fire. Leasing or financing agreements typically mandate it for this coverage – should your ATV be declared total loss and you have comprehensive coverage in place, you’ll receive payment of its cash value less any applicable deductible payments from insurer.
Uninsured/Underinsured Motorist Coverage
Uninsured and underinsured motorist coverages (UM/UIM) can help cover drivers who lack auto insurance policies that cover them fully or don’t carry enough to cover damages that they cause on the road.
ATV collision coverage, also known as physical damage coverage, covers repairs or replacement if your ATV is damaged in an accident on public roads or as the result of hit-and-run activity covered under its terms. It may also cover damages caused by severe weather events or vandalism.
ATV/UTV policies tend to follow a similar framework as auto policies, providing bodily injury liability and property damage liability as standard coverages with medical payments and uninsured/underinsured motorist coverage available as supplements. Your rates for these additional coverages will depend on a variety of factors such as state requirements and usage; insurers usually offer payment plans to make managing costs of ATV/UTV insurance easier.
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