ATV insurance coverage: protection that goes where ever you journey!
All Terrain Vehicles (ATV) have an endless amount of uses. Whether your use yours to ranch, hunt, trail ride or just plain seek out adventures, we have the policy you need.
Insuring an ATV is much like insuring a motorcycle- its necessary because your homeowners policy might not cover it if you ride off your property and many states require ATV insurance for vehicles operated on state owned land.
Typical coverage for your ATV include:
The term Comprehesive may sound familiar to you because it is the same type of insurance many people carry on their car. It typically covers damage to your ATV if it is caused by an event other than a collission. For example, comprehensive covers damages caused by fire, theft, vandalism, animal, flooding, and more.
Collision is also another coverage many people carry on their car and it pays for phsyical damage to the ATV ifyou hit another ATV, car, tree, rock, or other object. With collision coverage, you pay the deductible you select the time of policy inception then the collision coverage will pay for the rest. Collision coverage also may provide coverage for scrapes, scratches, minor dents and dings and other cosmetic damage.
Bodily Injury and Property Damage Liabilty
BI and PD coverage is included in ATV insurance to pay for injuries to people or damage to roperty caused by your ATV. The limits you choose for BI and PD also can protect your assets so it is important to work with an insurance professional to decide what limits are best for you.
If you are in an accident and the other person is at fault and they do not have insurance coverage (or doesn't have enough coverage), uninsured motorist bodily injury will pay for damages you suffer that the at-fault party is legally liabilty for. This can include medical treatment and lost wages.
Get an ATV Insurance Quote
We want you to get the right ATV insurance quote for your needs. Our agents will happily walk you through the quoting process and answer any questions you may have. Our ATV options are easy, convenient and comprehensive to your needs.