If you are new to owning an ATV, you may have a lot of questions about what it takes to be a responsible owner, including whether your ATV needs to be insured. You can have fun while riding an ATV, but accidents can happen. Many states do not require you to have an ATV insured. However, other states require at least a basic liability insurance policy if you plan to ride an ATV off your own property. Some state-owned properties require insurance on all ATVs that are ridden onto their premises. Talk with your insurance agent to get more information on your state's requirements before you ride your ATV.

What are the Different Insurance Coverages for ATVs?

There are a few different types of insurance coverage that you can choose for your ATV. Depending on your needs and your state laws, you have the following to choose from:  

Liability insurance

This type of insurance is what most states require because it pays for damages or injuries to others that you cause while riding your ATV. Liability insurance consists of two types of coverage:

• Bodily injury liability coverage: This coverage can help to pay for the medical bills of others injured in an ATV accident if you are at fault but does not include you as the driver. This coverage would help pay for the injured persons’ medical bills, including ambulance, hospitalization, and surgery. This coverage also has a monetary limit.
• Property damage liability coverage: This coverage is used to help pay for any damage to property that you cause while riding your ATV. You may lose control and run into a fence or gate. That repair, including materials, can be addressed with this coverage. This coverage has a monetary limit.  

Comprehensive

This coverage is used to help pay for damage caused to your own ATV due to a loss other than a collision. This means if your ATV is vandalized or you hit a large animal and your ATV becomes damaged, then this coverage can help pay for that repair. A deductible amount could be applicable. 

Collision

This coverage is used to help pay for damages caused to your own ATV due to a collision, regardless of fault. A deductible could be applicable for this coverage as well. 

Submersion coverage

This coverage can be used to help pay for damages or destruction of your ATV if it is submerged in water. However, it is important to know that not all water events are covered. Talk with your agent to get specifics.

FAQs

Q: Do I Qualify for Any Discounts?

R: Yes! If you own an ATV, then you may also own other off-road vehicles, a personal vehicle or a home. Having multiple policies with one insurance carrier can mean multi-policy discounts could apply.  

Q: Can I buy coverage in case I’m injured while riding my ATV?  

R: Medical payments coverage is used to pay for your medical expenses regardless of who is at fault. Like the above-mentioned coverages, this also comes with a monetary limit and also has a time limit. 

Q: Is Uninsured Motorist Insurance or Underinsured Motorist Insurance offered for ATVs?

R: Both coverages may be available in your state. Contact your agent for more information. 

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Disclaimer:

This material is for general informational purposes only.  The content is provided on an “as is,” and “as available” basis without representation or warranty of any kind whatsoever.