MONDAY, AUGUST 31, 2020
In most cases, ATVs aren’t required to have insurance since they’re not technically street legal. Unlike cars and trucks, there are no state mandates regarding insurance for ATVs. This doesn’t mean you don’t need insurance, however.
There are some circumstances where you will be required to carry ATV insurance. If you take your ATV onto certain state-owned lands, such as a state park, you must carry liability insurance for your ATV. Before going for a ride, be sure to check the requirements in your area to make sure you have the proper insurance.
If you’re simply riding on private property with permission, you likely won’t need insurance.
What Does ATV Insurance Cover?
ATV insurance is designed to cover damages caused to the vehicle or damages you may cause while operating it. A typical ATV insurance policy includes:
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Comprehensive Coverage: Comprehensive coverage provides compensation for damages to your vehicle caused by fire, wind, hail, theft, vandalism and other incidents that do not involve collision.
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Collision Coverage: Collision coverage provides compensation for damages to your vehicle due to collision with another vehicle or object.
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Liability Coverage: Liability insurance provides compensation for bodily injury and property damage you may cause while operating the vehicle. It can also help with your legal expenses if a victim of an accident decides to sue.
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Medical Payments Coverage: Medical payments coverage helps with the driver’s and their passengers’ medical expenses after an accident, no matter who caused the accident.
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Uninsured/Underinsured Motorist: Uninsured and underinsured motorist coverage helps pay for accidents that involve another driver not carrying enough (or any) insurance.
Are ATVs Covered Under Home Insurance?
Home insurance will not cover most motor vehicles, although there are some exceptions. Your ATV will likely have to be covered under a separate ATV insurance policy.
How Much is ATV Insurance?
The cost of ATV insurance varies widely depending on a variety of factors, such as your location, coverage limits, the type and value of your ATV, those insured on the policy, and how frequently you use the ATV. If you frequently use a large ATV to off-road in different states, you’ll likely pay higher insurance premiums than someone who only uses their ATV to occasionally go on trails near their home. Be sure to speak with your insurance agent about how you can save money on your ATV insurance policy.
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