Choosing The Correct Insurance Policy For Your ATV

Your ATV is a unique asset. Purchasing ATV trailer insurance can help keep you safe on the road. Here is a guide to help you find the right policy to stay covered while you enjoy life on the terrain.
ATV insurance covers you if an accident arises while you are on the road. You are operating a unique asset, which is why ATV insurance provides a safety net in the event of a disaster.

Is ATV Insurance Necessary?

Research your state’s liability insurance requirements regarding operating an All Terrain Vehicle on public roads and highways. This will give you a good idea regarding the type of coverage you need to protect your investment. ATV insurance is beneficial for multiple reasons. ATVs generally have a high theft rate. The policy also covers you if you operate your vehicle away from home. If you plan to ride around a public or state-owned park, you also need ATV insurance.

Different Types of ATV Insurance Coverage Available

  • Collision Coverage

    Collision Coverage protects your ATV if it is damaged due to impact with another vehicle or object. Collision coverage protects you against the unpredictable nature of operating an ATV.

  • Property Damage Liability

    This type of coverage protects you if you accidentally damage someone’s property while riding your ATV. The policy also covers your legal fees if the impacted party decides to sue you.

  • Bodily Injury

    Bodily injury coverage protects you if you injure someone while operating your ATV. The policy will cover your legal bills and the injured party’s medical bills.

  • Medical Payments

    This type of coverage protects you if you are injured while operating your ATV. It also covers any injuries to one of your passengers if they are injured.

  • Comprehensive Coverage

    Comprehensive coverage takes care of any covered losses that occur in other ways besides a collision. Comprehensive coverage protects you if your ATV is stolen or a severe storm moves through the area and damages your ATV. If you have any custom parts or accessories on your ATV, you’ll need to add extra coverage in order to cover your vehicle fully.

  • Underinsured/Uninsured Coverage

    This type of coverage protects you if you are involved in a collision on a public highway and the other person has no insurance or minimal coverage. Be aware that the uninsured vehicle should be designed to have coverage and also registered for use on a public road.

Operating an ATV comes with unique risks. Having a strong ATV trailer insurance policy will help protect you while you are on the road. If you have any questions about your policy, our vehicle insurance experts at Family Financial Insurance Group will assist you.

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