ATVs are great fun for their owners. Beyond that, they are easily customizable so you can turn your investment of a standard machine into a creation that is truly one of a kind.
But what happens if your ATV gets stolen, damaged, or causes injuries to someone? It could easily become a financial albatross for you and for your family if you don’t have adequate insurance coverage.
Here’s What You Need to Know about ATV Insurance
The thing about ATV insurance is that coverage varies from one provider to the next. This means you need to understand the pieces and parts to your plan in order to feel confident that you have the right insurance protection for your needs. Specific coverages you might want to have include the following.
Liability Coverage for ATVs
ATV accidents happen all the time. No matter how careful a driver is, there are risks related to riding a machine this powerful with very little in the way of protection for passengers. If someone is injured or property is damaged from your ATV, this coverage will help cover the costs of medical treatment or repairs – along with any legal fees or judgments against you – up to the limit of the policy.
Comprehensive Coverage for ATVs
Theft is a big problem with ATVs. Comprehensive coverage provides protection for ATVs that are stolen, or damaged as a result of vandalism, fire, or weather. The benefit of having this coverage, especially since ATVs make such attractive targets for thieves, are well worth the costs.
Collision Coverage for ATVs
If you have an accident on your ATV this coverage will help you pay for repairs to your ATV. An accident can be hitting another ATV, a vehicle, or even a tree.
Medical Payments Coverage for ATVs
Liability insurance only covers medical costs to others in an accident you cause. It doesn’t extend to your own medical expenses. Medical payments coverage can offer additional protection for yourself and, in some states, your passengers. It will help pay for medical care and treatment up to the policy’s limits.
It surprises many people to learn that their ATVs are not covered by their homeowners or auto insurance policies. You will need a separate policy to protect your ATV. It’s always wise, when investing in equipment like ATVs, motorcycles, boats, and other recreational types of vehicles to check with your insurance agent to see what your insurance needs may be.
If you own an ATV and are looking for ATV insurance, contact us here at BOLT Insurance Agency for a free ATV insurance quote.