ATV Insurance: Protecting Against Dangers
Are you an off-road enthusiast who loves exploring the great outdoors on your All-Terrain Vehicle (ATV) or Utility Task Vehicle (UTV)? If so, it's crucial to protect your investment with the right insurance coverage. Below we'll explore the benefits of ATV insurance and why it's essential for anyone who owns one.
What Does ATV Insurance Cover?
ATV Insurance is designed to protect riders from various risks associated with off-roading. Standard coverage can include liability, collision, comprehensive, and uninsured/underinsured motorist. Liability coverage can protect you in the event that you cause an accident and are found responsible for injury or property damage to other parties. Collision coverage can cover the cost of repairing or replacing your ATV in the event of an accident, regardless of who is at fault. Comprehensive coverage can protect your ATV from non-collision damage like theft or vandalism. Uninsured/underinsured motorist coverage can also provide protection in case you are involved in an accident with someone who is uninsured or underinsured.
Is ATV Insurance Required?
ATV insurance is not required in all states, but it's still highly recommended. Since ATV’s often involve rough terrains, it can pose a higher risk of injury and damage than regular driving. In some states, it is required to have ATV insurance coverage for riding on certain public land because of state park and land regulations.
What is Qualified as an ATV or UTV?
ATV’s and UTV’s are defined as recreational or utility motor vehicles designed to drive off-road. ATV’s typically have three or four wheels, while UTV’s usually have four. They are capable of handling rugged terrain, such as dirt, mud, snow and sand. Examples of ATV’s and UTV’s include quads, golf carts, dune buggies, and side-by-sides. In most states, ATVs and UTVs must be registered and licensed with the Department of Motor Vehicles and follow the appropriate safety guidelines.
Does ATV insurance Provide Bodily Injury Liability Coverage?
Yes, typically ATV insurance provides bodily injury liability coverage. If someone is injured in an accident where you are at fault, your liability coverage can assist in covering the resulting medical expenses. Standard bodily injury coverage can cover medical bills, physical therapy, and lost wages up to policy limits. It's essential to keep in mind that coverage limits apply, so it's important to discuss the appropriate coverage with an agent.
