What does ATV insurance cover?
There are several options when it comes to ATV insurance. Bodily Injury and Property Damage Liability coverage is one of the most basic options you will be able to purchase. Purchasing a liability policy for your ATV will provide coverage for someone you accidentally injured while driving your ATV. Likewise, if you damage another person’s property (such as a mailbox), your liability policy will provide coverage for that damaged mailbox. Coverage will vary depending on the amount of liability you purchased of course. Be sure to ask your ATV insurance company which coverage level is best for you!
Uninsured and Underinsured Motorist coverage (UM/UIM) is commonly purchased or sometimes even required along with liability coverage. If someone hits you on your ATV and you are injured, that person is liable for your medical bills under their own liability policy. If that person didn’t have enough coverage, or had no insurance at all, the UM/UIM portion of your policy can help cover your medical bills.
You may also choose to purchase comprehensive coverage for your ATV. Sometimes, comprehensive coverage is called “Other than Collision” coverage because it is such a broad category. Comprehensive coverage will pay for damage to your own ATV if it is stolen or if you hit an animal, for example. Theft, fire and vandalism will also typically be covered under the comprehensive section of your ATV policy. Most of the time, you will pay a deductible, or out of pocket cost, if your ATV is damaged by a covered loss. Once your deductible is satisfied, your insurance company will help cover the rest of the damage. Your insurance company will likely give you a list of deductible options when you obtain your ATV insurance quote.
Collision often gets paired with comprehensive coverage on an ATV insurance policy. Collision coverage will also have its own separate deductible and will cover damage to your ATV if you collide with another object such as a tree or mailbox. It will also be the coverage you turn to in order to repair your ATV if you caused an accident with another vehicle.
Sometimes ATV insurance companies will offer additional coverage such as towing or Emergency Road Service. Some companies will also offer optional coverage for upgrades you made to your ATV or even your helmet or other safety gear and accessories. It’s important to ask your ATV insurance company about these coverage options!