All-Terain Vehicle (ATV) Insurance
All-terrain Vehicles are ridden hard. You need insurance that's just as tough. The risks of riding an ATV are very different than driving a car. There is less chance of a collision with another vehicle on an ATV; however, the terrain is more dangerous, with unexpected obstacles including rocks, trenches and trees on back roads.
Why do I need ATV insurance?
If you’re operating an ATV on state land, or off your property in general, your homeowners insurance likely won’t cover it. With an ATV insurance policy, you won’t miss out on off-road adventure. We’ll make sure you have the proper coverage regardless of how it’s used – transporting feed and water on the farm or adventuring in the wild.
ATV insurance protects you in the event of an accident or other causes of damage. It also covers bodily injury and damage to others’ property, if you are at fault in an accident. It can pay for legal expenses, as well as other people’s medical costs and lost wages. And remember, most states require liability coverage for your ATV.
What does ATV insurance Cover?
ATV insurance coverage can help protect you in the event of an accident or other type of damage. An ATV insurance policy typically consists of liability, collision and comprehensive coverage options, as well as add-on coverages such as uninsured/underinsured ATV coverage. Like other types of powersports insurance, the amount of coverage you have depends on the policy limits you select.
- Bodily injury liability
- Property damage liability
- Uninsured motorist
- Underinsured motorist
- Medical payments
- OEM endorsement
An insurance agent can assist ATV owners with these complex decisions while pointing out possible ways to reduce the insurance premium.
Just as all ATVs are not the same, neither is the insurance policy to cover them. Contact your Town & Country Insurance Agent for assistance today!
Source: https://www.nationwide.com/lc/resources/powersports/articles/atv-insurance-considerations Disclaimer: The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the publishing of this material. Please check with your local Independent Town & Country Insurance Agent for details.