What Is ATV Insurance? Things to Know
ATV insurance is a type of insurance coverage designed specifically for all-terrain vehicles (ATVs), which are often used for off-road recreational activities or farming. Robert O. Mable Agency provides ATV insurance in Walton, Bloomville, NY and surrounding areas.
Since ATVs are not typically covered by standard auto insurance policies, owners need to purchase separate ATV insurance to protect themselves and their vehicles from financial risks in case of accidents, theft, or damage.
Key Things to Know About ATV Insurance:
Types of Coverage:
Liability Coverage: This is the most basic type of ATV insurance, required in some states. It covers damage or injuries you cause to others in an accident. It typically includes bodily injury and property damage.
Collision Coverage: Covers damage to your ATV caused by a collision with another vehicle, an object (like a tree or fence), or if it flips over.
Comprehensive Coverage: Provides protection for non-collision-related events like theft, vandalism, fire, or natural disasters.
Uninsured/Underinsured Motorist Coverage: Protects you in case you’re involved in an accident with someone who doesn’t have sufficient insurance.
Medical Payments Coverage: Covers medical expenses for you and your passengers in the event of an accident, regardless of fault.
State Requirements: ATV insurance is not mandatory in all states. However, if you plan to ride your ATV on public roads or certain off-road trails, your state may require at least liability coverage.
Factors Affecting Premiums: Premiums for ATV insurance depend on several factors, including the ATV’s make and model, your riding habits, where you store the vehicle, and your driving record.
Discounts: Some insurers offer discounts for bundling ATV insurance with other policies, completing safety courses, or installing anti-theft devices on your vehicle.
Conclusion:
ATV insurance provides financial protection for ATV owners against accidents, liability claims, and damage. It’s important to choose the right coverage based on your needs and riding habits.
Would you like to discuss? Please give us a call, or email us!
