Off-Road Vehicles Insurance

Off-Road Vehicles Insurance Information

What ATV Insurance Covers

All-terrain vehicles, commonly known as ATVs, are a fun way to enjoy the great outdoors. Many states require that those who use these motorized, off-road three- or four-wheelers carry specific ATV insurance. ATV coverage is a wise investment for a variety of reasons. Not only do ATVs have a high theft rate, but they are often ridden off the owner’s property or taken to other locations on a trailer. In addition, some state-owned or public parks have specific ATV insurance requirements.

Does Homeowners Insurance Cover an ATV?

Homeowners insurance does not cover all-terrain vehicles. Generally, homeowners insurance excludes motor vehicles of any kind.

What Kind of Insurance Do You Need for an ATV?

Most people take their ATVs on unpaved paths, so drivers and passengers might encounter hazards that lead to accidents.

ATV insurance protects you in the event of an accident or other type of damage. ATV insurance typically includes liability, collision and comprehensive coverage options. Add-on coverages, such as uninsured/underinsured motorist coverage, are also available.

How Much Does ATV Insurance Cost?

Various ATV insurance coverages are available, and your policy’s overall price depends on which you select. You may want to consider adding the following different types of coverage to your ATV insurance policy:

Bodily injury liability. If you cause an accident and someone is injured, this coverage can help pay the injured person’s medical bills and loss of income.

Property damage liability. This coverage assists in payments for damages to another person’s vehicle or property if you cause an accident.
Collision. This coverage pays for damage to your ATV if you hit another vehicle or object, another vehicle hits you or if your ATV rolls over.
Comprehensive. This coverage helps pay for damage to your ATV from vandalism, theft, weather events and accidents. It also protects your custom ATV parts and equipment.
Uninsured motorist. This coverage protects you and your ATV from uninsured drivers and may also protect you from covered hit-and-run accidents.
Underinsured motorist. This coverage protects you from drivers who do not have enough insurance to cover the costs of an accident.

Medical payments. Known as personal injury protection (PIP), med pay can help covermedical costs related to an accident, regardless of who’s at fault.
OEM endorsement. This coverage helps ensure that your ATV is repaired with new parts from the original equipment manufacturer (OEM) whenever available.

How Can We Help?

Jared Reynolds Insurance can help you determine which type of ATV coverage is applicable for your specific vehicle and for the state in which you operate your ATV. Call us today at 740-588-9090 to put together an ATV insurance package that is right for you.