Ask the Editors: What Kind of Insurance Should I get?
Dear ATVC: I’m not sure how ATV insurance works. Is it essentially the same as automotive or motorcycle coverage? Is it mandatory?
Whether or not ATV insurance coverage is mandatory depends entirely upon where you ride. It is generally required if you’re planning on riding on state owned or public trails. It varies when riding on privately-owned facilities or on one’s own land. The best way to be certain would be to check with your local municipalities to find out the specifics for your town/ state and so on.
However, even if it is not required, ATV insurance is generally regarded as a good idea as it can be extremely beneficial in helping offset the damages should your machine be stolen, damaged in a fire and so forth.
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 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.
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 ATV insurance coverage you want, and you’re protected up to those limits.
How to Keep ATV Insurance Rates Low
Several factors can affect your ATV insurance rate. You may not be able to control them all, but there are a few things you can do if you have ATV insurance coverage and want to keep your rates low:
If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher.
Choose Your ATV Carefully
ATVs with higher displacement, or those that are considered more aggressive machines, typically cost more to insure based on the history of claims for those vehicles.
Insure Multiple ATVs
You’ll receive a discount if you insure more than one ATV on your policy.