ATV insurance coverage is designed to protect you financially in case of an accident or damage to your vehicle. Most ATV insurance policies cover damages to your vehicle, including repairs or replacement.
Liability coverage is also a standard component of ATV insurance, covering damages to other people or their property in an accident. This can include medical expenses, lost wages, and property damage.
If you're involved in an accident, your medical expenses will be covered under your ATV insurance policy. This includes doctor visits, hospital stays, and other medical treatments.
Accidents can happen anywhere, which is why ATV insurance policies often cover damages to your vehicle regardless of where you're riding. Whether you're on a trail or on a public road, you're protected.
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What's Covered
ATV insurance provides financial protection against various types of damages and injuries. Comprehensive coverage can cover damage to your ATV caused by something other than a collision, such as a fire, and also covers permanent accessories attached to your ATV.
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Comprehensive coverage can also cover damage to your ATV's permanent accessories, such as a trailer or a winch. This type of coverage is essential if you plan to ride your ATV in rough terrain or extreme weather conditions.
Collision coverage, on the other hand, covers damage to your ATV that affects its operation or safety. This type of coverage is crucial if you're involved in an accident, as it will help you repair or replace your ATV.
Collision coverage typically doesn't cover cosmetic damages, so you'll need to consider comprehensive coverage if you want to protect your ATV's appearance. If you're involved in an accident with an uninsured motorist, collision coverage will help cover your expenses.
ATV insurance also provides protection against physical injury to third parties, including sickness, disease, pain, and suffering. This coverage also includes loss of income and death.
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Additional Protections
In many states, ATV Liability Insurance will protect you if you're involved in an accident or damage someone else's property.
You can buy additional coverages to protect your ATV if it's stolen or vandalized.
ATV Insurance can also protect you if passengers are injured in an accident.
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Off-Road Considerations
If you're an off-roader, you know that accidents can happen even with the best precautions. Collision coverage in ATV insurance pays for covered damage to your ATV when it hits or is hit by another vehicle or object.
Your ATV insurance policy can also protect you against property damage liability, which insures you against damages caused to someone else's property while operating your ATV.
Here are the coverages included in a customized ATV policy:
- Collision coverage – pays for covered damage to your ATV
- Property damage liability coverage – insures you against damages caused to someone else's property
- Bodily injury liability coverage – insures you against damages if you injure or kill someone while operating your ATV
- Comprehensive physical damage coverage – pays for covered losses resulting from incidents other than collision
- Medical payments coverage – provides medical coverage for yourself and your passengers
- Uninsured/Underinsuredmotorists coverage – insures you against damages in the event of an accident with an uninsured or underinsured vehicle
As an Off-Roader
As an off-roader, you're likely no stranger to the thrill of wheeling, but have you ever stopped to think about what happens if something goes wrong? ATV insurance from GEICO can help you out if your four-wheeler gets damaged or you're involved in an accident.
GEICO insures all-terrain vehicles as well as most side by side makes and models. However, they don't insure three, six or eight wheelers or ATVs/UTVs with less than 150 cc's.
If you do get into an accident, GEICO's collision coverage can pay for covered damage to your ATV when it hits, or is hit by, another vehicle or object. This coverage is available with a $500 or $1,000 deductible.
You'll also want to consider property damage liability coverage, which insures you against certain damages caused to someone else's property while operating your ATV. In most cases, this coverage also provides you with a legal defense for such claims if another party files a lawsuit against you.
Here are the coverages included in GEICO's customized ATV policy:
- Collision coverage – pays for covered damage to your ATV when it hits, or is hit by, another vehicle or object.
- Property damage liability coverage – insures you against certain damages caused to someone else's property.
- Bodily injury liability coverage – insures you against certain damages if you injure or kill someone while operating your ATV.
- Comprehensive physical damage coverage – pays for covered losses resulting from incidents other than collision.
- Medical payments coverage – in most states you can select medical coverage for yourself and your passengers.
- Uninsured/Underinsured motorists coverage – insures you against certain damages in the event of an accident with an uninsured or underinsured vehicle.
Where Is Excluded?
You need to be aware of the places where ATV insurance won't cover you, such as when you're engaging in racing activities. This is because standard ATV insurance policies don't cover loss or damage related to racing.
Riding an ATV on highways and roads is also not included in your insurance coverage, and it's often illegal in most states. Local government agencies can choose to allow ATV traffic on specific roads and highways, usually within state-owned properties.
Signage regarding ATVs is usually clear and obvious, so don't assume ATVs are permitted on any highway, road, or trail. ATVs can cross roads or highways, but only under specific conditions.
You must cross at a point designed for vehicles to cross, and you cannot simply drive over a median. ATVs crossing any road should come to a complete stop and make sure they are visible to traffic.
Frequently Asked Questions
Is ATV insurance worth it?
Yes, ATV insurance is worth considering to protect yourself and your vehicle from costly medical bills and property damage in the event of an accident. Investing in a basic policy can be a smart decision to avoid financial burdens.
Does ATV insurance cover blown engines?
ATV insurance typically doesn't cover mechanical failures like blown engines, which are considered the owner's responsibility for maintenance
Will insurance cover a swamped ATV?
Insurance may cover water damage to an ATV, including swamping, depending on the type of coverage purchased. Check your policy for details on what's included.
How does insurance work on a side-by-side?
Insurance for a side-by-side covers repairs or replacements due to collisions with other vehicles or objects, as well as unexpected events like theft, vandalism, or natural disasters. Review your policy to understand the specifics of your coverage and deductible
Are UTVs expensive to insure?
UTV insurance costs vary based on factors like vehicle type, location, and driving history, but it's often more affordable than expected
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