Your ATV or UTV needs insurance coverage that is separate from personal auto and independent of homeowners. There are vehicles capable of going nearly anywhere and are useful for both recreation, work, and land maintenance. Because of this they also encounter hazards that are unique to counterparts used exclusively on the road.
Coverage for the Vehicle
Riding ATVs is enjoyable and offers a healthy dose of fun traversing different terrain. Even though you may be riding far away from others, accidents can happen that will cost you without insurance. Most policies offer ATV coverage with comprehensive and collision.
- Collision provides protection if you hit an object such as a tree or rock and incur damage.
- Comprehensive is coverage for scenarios such as hitting an animal or if your ATV is stolen.
Coverage for Others
Even with the right protective gear riding an ATV has its dangers. Having a rollover or being thrown from the vehicle can occur. Specialized insurance policies will also include the following:
- Bodily injury liability can protect you if you’re at fault and cause injury to a passenger or other rider.
- Property damage liability offers coverage for damage to property belonging to others due to an accident.
ATVs provide a great way to get off-road and experience the outdoors. Be prepared for the unexpected by being protected with the proper insurance coverage.