ATV Insurance: 3 Tips for Ensuring You’re Covered While Off-Roading
All-terrain vehicles, or ATVs, are designed to withstand roughness. These vehicles are fast, unafraid of any terrain and always willing to go another mile. Many riders take their ATVs off-roading, including hunters and individuals exploring the surroundings.
With your helmet and safety gear, it seems as if you are protected; but without ATV insurance, you do not have complete protection, regardless of what you don before you go off-roading. The following three tips will help ensure you have the right ATV insurance while off-roading.
Protect Your ATV with Basic, Collision and Comprehensive Coverage
Although in most states you are only required to have insurance if you plan to drive off your property, ensuring that you have all three essential forms of coverage provides the most protection.
Bodily injury and property damage: covers damage you caused to others and their property while riding.
Collision: covers damage you cause to your ATV by hitting another object, e.g. another ATV, a hole, a tree or a car. Unlike motorcycle insurance coverage, collision coverage for ATVs does not cover minor dents or scratches.
Comprehensive: covers damage to your ATV not caused by an accident, e.g. weather-related damage, theft and vandalism.
Purchase Additional Protection
Off-roading means that you may experience breakdowns while riding. Your exhaust may come off or your tire may flatten while riding; anything is possible. If this happens, and you relied on your ATV to get you to your destination, then you have no way back home.
Some insurance companies provide extra coverage using insurance riders that will give you benefits similar to the roadside assistance you have on your car insurance. With this additional coverage, you will always have the right protections—whether you are riding at home or riding 30 miles away from your home.
Slinging mud out in the woods can be exhilarating. However, you should always keep your ride legal. Most insurance does not cover damage incurred while you are not riding legally. So, it is in your best interest to remain off others’ private property because trespassing may prevent you from getting the repairs you need through your insurance company.
ATV insurance is essential when you own a four-wheeler or other all-terrain vehicle. With the proper insurance coverage, damage to your ATV stemming from accidents or objects you hit can be easily fixed by your insurance carrier.