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ATV Insurance Coverage
We know you love your all-terrain vehicle, no matter how you use your vehicle, whether you're a hunter, rancher, or you just enjoy trail riding. We also know that you want to be covered if your ATV is stolen or badly damaged, and proper ATV insurance coverage can help protect your investment.
Many states require ATV insurance for vehicles operated on state-owned land, and your homeowners policy may or may not cover you if you ride off your own property. That's why ATV insurance coverage is especially important.
We offer a variety of ATV insurance coverages, including:
Comprehensive
In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it's caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an animal, Comprehensive coverage will likely apply. You just pay the deductible you selected, and your ATV insurance will cover the rest.
Collision
Collision pays for significant physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post, or other obstacle. You just pay the deductible you selected, and your Collision coverage will pay for the rest. Due to the rough nature in which many ATVs are used, Collision does not provide coverage for scrapes, scratches, minor dings/dents, and other cosmetic/non-structural damage.
Bodily Injury & Property Damage Liability
ATV insurance coverage offers Bodily Injury and Property Damage Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage also protects your assets, up to the limits you choose.
Uninsured/Underinsured Motorist
If the person at fault for an accident doesn't have insurance — or doesn't have enough insurance — Uninsured/Underinsured Motorist Bodily Injury will pay for injuries and damages you suffer that the at-fault party is legally liable for, such as medical treatment and lost wages. You simply select the amount of Uninsured Motorist insurance coverage you want, and you're protected up to those limits.