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WHAT YOU NEED TO KNOW
Once you buy an ATV (all-terrain vehicle, but commonly abbreviated ATV), it’s very tempting to put your helmet on and get right out there on the trails. Unfortunately, even with your knee and elbow pads tightly fastened and your helmet on straight, you’re not quite fully prepared — you need ATV insurance before you can start kicking up any mud.
Purchasing four wheeler insurance is the best way to make sure that you’re covered in the event of an accident, a theft or another common mishap. Most ATV insurance packages include the same several types of coverage, so that you aren’t left with any coverage gaps if something does go wrong. The most basic type of coverage is collision — this pays for any damage that your quad might incur if it hits, or is hit by, another vehicle. Off road vehicle insurance also frequently includes property damage liability. This protects you in the event that you cause damage to someone else’s property while driving your ATV. That’s a nice one to have if you’re planning on ripping around some trails in an unfamiliar area!
Bodily injury liability coverage and medical payments coverage are also found in some quad insurance plans. Respectively, these coverages give you access to legal protection if you injure someone with or on your quad, and give you the ability to buy additional medical coverage for yourself or your passengers. These two coverages can be very helpful to riders who are doing some relatively dangerous driving, especially those who fear being sued. Other optional coverages include comprehensive packages and uninsured motorist coverage.
How does ATV insurance work? Actually, it’s quite similar to car insurance. It’s simply designed to protect you in the case of an incident or emergency, and help you get back on your feet financially in no time at all. Although quad insurance is not always required, unlike auto insurance, you’ll need it to traverse certain trails on public land or in state and national parks.
Wondering where you can get an ATV insurance quote? Our agents have access to a wide range of plans and ATV insurance rates, and they can get you the coverage that you need to get out on the trail. For personalized assistance, you can contact one by requesting a quote on our website or by calling us directly. You’ve got your gear and you’re ready to go — your insurance should be too!