ATV Insurance: What and Who Does it Cover?

‍All-terrain vehicle (ATV) insurance is designed to protect you and your investment if anything happens while you’re operating one. It can be as simple as a few dollars or as detailed as your specific needs, whatever those may be. Aka, which types of vehicles do you want to insure?

Do you need coverage for personal use and recreation, or for commercial use for agricultural purposes? What does it cover? That is the other question. Is it worth the cost and effort to get coverage that protects against loss? Read on to find out more about what it entails and if it is right for you.

What is ATV Insurance?

ATV insurance is coverage for motorized land vehicles that are designed to be operated off-road, such as a dirt bike or ATV. It does not include boats, aircraft, snowmobiles, or similar types of vehicles. ATV insurance can give you coverage in case someone hits you while you’re operating one, but it also gives you protection if you are hit by a vehicle while out on the trail.

If you’re operating an ATV for personal use, such as riding to work, you don’t need coverage. But if you’re operating it commercially, you would need commercial coverage to cover any potential losses. You can also add additional coverage for your personal property that is being transported on your ATV.

ATV Insurance Coverage

ATV insurance coverage typically varies depending on your needs, but it typically covers the following: – Liability – This covers you if someone gets hurt while riding with you, even if you are at fault. If you are at fault in an accident while operating your ATV, you would still be covered by liability coverage.

• Medical bills – If someone is injured while riding with you, they may incur medical bills. This form of coverage would help you with that financial burden if they were injured.
• Property damage – If your ATV gets damaged in an accident, this form of coverage would cover any damage to the other party and their property.
• Legal fees – If someone sues you because of an accident, having this type of coverage would help cover your legal fees.
• Collision – This covers the cost of repairs to the other party’s vehicle if yours hits them.

Types of ATV Insurance

Coverage for your specific type of vehicle – This coverage would give you coverage for a specific type of ATV, such as a utility type or a racing type. It also covers the cost of repairs or replacement of your specific type of vehicle.

1. Collision damage waiver – This coverage would help you if your ATV is involved in an accident and is severely damaged. It would help pay for the cost of repairs or replacement.
2. Liability – This form of coverage would help you if you ride with someone else and they are injured in an accident. It would help pay for their medical bills and other expenses.

Best ATV Insurance

While each company has different rates, coverage, and requirements, if you are willing to shop around, you can find the best price for your needs. There are a few things to keep in mind before you purchase your coverage. Make sure you understand your needs and the costs associated with each type of policy.

If you don’t understand what is covered or what is excluded, you could end up paying for things you don’t need. Also, make sure the company is licensed to write insurance in your state.

There are many unauthorized companies that will take your money and then go out of business. What kind of vehicle do you operate? Who does it operate? Where do you operate?

ATV Insurance Costs

Typically, the cost of ATV insurance depends on:

• Your age – The older you are, the higher the premiums will be.
• Your vehicle – Make and model of your SUV, truck, or motorcycle would change the premiums as well.
• The amount of coverage you purchase – The more coverage you buy, the lower your monthly payment.
• Where you purchase – Buying your coverage from an agent would be cheaper than purchasing online.
• How you purchase – If you buy your coverage through your auto company, you could end up paying more.

Things ATV Insurance Doesn’t Cover

Hopefully, your policy covers everything you need it to. But if there is something it doesn’t cover, you will need to add it to your coverage. Common things excluded from coverage include:

• Medical care – This is for medical bills you incur as a result of an accident. You can cover this by adding a rider or medical expense rider to your policy.
• Property damage to your vehicle – This is paid by the person who hits you. You can add additional coverage for your vehicle to help reduce this cost.
• Physical injury to you – This is why you need liability coverage. It will help you cover any damages to the other party’s property.
• In-transit expenses – This is to help pay for gas, tolls, and food while you’re on the road.

Why you need ATV insurance

ATV insurance is required if you operate one commercially, such as driving a delivery or maintenance service. It is also a good idea to get coverage if you ride regularly in off-road areas, such as national parks or state parks. These areas are often bogged down with broken-down vehicles and dead-ends. You want to protect yourself in case you are stuck in one of these situations and unable to get out.

How much does ATV insurance cost?

As with auto insurance, the cost of your coverage will depend on several factors, such as your vehicle, the amount of coverage you choose, and where you buy your policy. We can help you get a better understanding of what coverage would be best for you and your needs.

We can also help you decide if it makes sense to add additional coverage to your policy. For example, if you like to go off-road a lot, you may want to consider coverage for your vehicle and liability. If you are especially concerned about property damage, you may want to add collision coverage.

Who needs ATV insurance?

ATV insurance is typically required if you operate one commercially, such as driving a delivery or maintenance service. It is also a good idea to get coverage if you ride regularly in off-road areas, such as national parks or state parks.

These areas are often bogged down with dead-ends and broken-down vehicles. You want to protect yourself in case you are stuck in one of these situations and unable to get out. Commercial use for agricultural purposes – This is the most common type of commercial use.

You would have to have this coverage if you wanted to operate a commercial ATV for any type of agricultural purposes.

Conclusion

ATV insurance may be a requirement for operating a commercial ATV on private land or in a state park area. But it also can provide great protection against accidental vehicle damage while operating your ATV on public land.