Do I need ATV insurance?

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Even if there are no ATV insurance requirements in your state, it’s worth considering in case you have an accident and don’t have the funds immediately available for a full replacement of your off-road vehicle. And, because ATVs aren’t ridden on typical roadways, passengers are more prone to injury due to the rough terrain. Liability coverage may help protect you — and your assets — in the event of an accident.

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What does ATV/UTV insurance cover?

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ATV/UTV insurance policies can include the following standard coverages:

• Bodily injury liability coverage: Pays for injuries you cause to someone while riding your off-road vehicle, up to your policy's limit.

• Bodily injury property damage: Pays for damages to someone else's property if you're liable in an accident, up to your policy’s limit.

• Collision coverage: If your ATV collides with another vehicle or object, collision can pay to repair or replace your vehicle, minus any deductible.

• Comprehensive coverage: Covers events outside of your control, including theft, vandalism, hitting an animal, fire and weather-related damage, minus any deductible.