How Does ATV Insurance Work?

All-terrain vehicles (ATVs) are a thrilling way to explore the great outdoors, whether tearing up the trails, cruising through the woods or tackling challenging terrains. However, ATVs have their fair share of risks like any other vehicle. This is where ATV insurance comes into play.  

What Is ATV Insurance? 
ATV insurance is a type of coverage designed to protect both the owner and the ATV itself in case of accidents, theft or other unfortunate incidents. While ATV insurance isn’t required by law in all states, it’s highly recommended to safeguard your investment and provide financial protection if something goes wrong. 

What Does ATV Insurance Cover? 
ATV insurance policies typically include the following coverage options: 

• Liability coverage may protect the ATV owner if they are responsible for causing bodily injury or property damage to others while operating the vehicle. It may help cover medical expenses, legal fees and property repair costs.
• Collision coverage may cover damages to the insured ATV resulting from a collision with another vehicle or object, regardless of fault. It may help pay for repair or replacement costs.
• Comprehensive coverage may cover damages to the insured ATV caused by incidents other than collisions, such as theft, vandalism, fire or natural disasters.
• Uninsured/underinsured motorist coverage may protect ATV owners if they are involved in an accident with an at-fault driver who has no insurance or insufficient insurance to cover the damages.
• Medical payments coverage may cover medical expenses for the ATV owner and passengers injured in an accident, regardless of fault.
• Accessory coverage may cover accessories and modifications added to the vehicle, such as aftermarket parts and attached equipment.
• Roadside assistance may provide towing, battery jump-starts, flat tire changes and fuel delivery. 

It’s important to note that the specific coverages and policy limits will depend on the insurance provider and the policy chosen by the ATV owner. Discuss your insurance requirements with a qualified provider to ensure adequate coverage. 

Factors Influencing ATV Insurance Premiums 
The following are some factors that may influence the cost of ATV insurance premiums: 

• Type of ATV
• Usage
• Geographic location
• Your age and riding experience
• Safety features
• Coverage options
• Deductibles
• Your driving record
• Claim history
• Annual mileage 

Dolan Insurance Agency is dedicated to offering you the best possible coverage at a price you can afford. Contact one of our licensed insurance professionals to learn more about ATV insurance and how to build a policy that best fits your needs. 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.