ATV Insurance: What Does it Cover and How Much Is It? – ValuePenguin

All-terrain vehicles (ATVs) can be dangerous to passengers and those around them, and expensive to replace if damaged, so owners should consider purchasing ATV insurance. If you want to ride in some places, like state parks, basic ATV insurance is required by law. Most insurance companies cover ATVs under their motorcycle insurance policies, but rates are generally lower for ATVs. If your vehicle is an SUV, utility vehicle, or side-by-side, it will likely be considered an SUV for insurance purposes.

what does ATV insurance cover

Most insurance companies cover ATVs under their motorcycle insurance policies. The process for getting an online quote for an ATV is identical to that for a motorcycle (or moped or scooter). the only difference is that a buyer enters the vehicle information for an ATV, rather than a motorcycle. These are the types of coverage that are typically included in ATV and side-by-side insurance policies and those that are optional for purchase.

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Bodily Injury Liability: This coverage pays for damages associated with any other person injured or killed in an accident involving your ATV or off-road vehicle. it also covers legal fees resulting from any litigation against the policyholder. In both circumstances, this portion of ATV insurance covers up to the policy’s claim limits. Bodily injury liability limits are typically one amount per person and one total amount per accident, regardless of the number of people involved.

To avoid injuries and liability claims related to an ATV, there are several things owners can do. Keep your ATV in a garage or locked so that only those with permission and supervision can drive it. Even if someone doesn’t have a license to drive an ATV, the owner of the vehicle can be held liable for injuries while driving.

It is important to follow the guidelines for each ATV, as not following them could compromise vehicle or driver performance. for example, vehicles have weight restrictions: do not overload any hauls or loads. most four-wheelers are designed for one person. make sure the controller is the right size for the ATV. No one should operate an ATV under the influence of drugs or alcohol.

Property Damage Liability: Similar to bodily injury liability, this coverage pays for any damage an ATV driver causes to someone else’s property, including personal property (such as belongings), as well as your house or garden. . property damage liability has a per-occurrence claim limit that is typically equal to or less than the policy’s bodily injury liability insurance per-person limit. For example, if an ATV or UTV insurance policy has a bodily injury limit of $25,000 per person/per accident, the property damage limit on the same policy could be $25,000 or less.

Medical payments (optional): Medical payments coverage pays for medical expenses incurred by those who ride your ATV. It will cover things like surgeries, x-rays, hospital stays, and even ambulance transportation.

Uninsured/Underinsured Motorist (Optional): In the event that you or someone driving your ATV is injured by someone who is uninsured, or underinsured, this coverage will pay your expenses. Ideally, if someone else is at fault for your injury or damage, their insurance would cover the costs they are responsible for. however, even when insurance is required by law, some people may not purchase it.

Uninsured and underinsured coverage for ATV insurance also has claim limits. Like bodily injury liability, uninsured and underinsured motorist coverage has limits per individual and per accident.

Collision (optional): This coverage pays to repair damage to your ATV caused by a collision with another vehicle or if it rolls over. policyholders choose a deductible (the amount they pay before their insurer begins to cover costs) and the insurance company will cover up to the value of the ATV.

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To keep premiums low, the owner of a low-value SUV can choose to waive this coverage. You may want to determine how much your ATV is worth before adding it to a policy. Collision coverage is often required of owners who financed the purchase of their ATV or are leasing it.

Comprehensive (optional): Comprehensive coverage pays for damage not caused by a collision with another vehicle. It also covers loss of the ATV due to theft, vandalism, flood, earthquake, fire and other causes. Just like collision, comprehensive coverage has a deductible. For example, if your ATV is stolen, you could file a comprehensive claim and your insurer would pay up to the cash value to replace it.

ATV insurance exclusions

Owners and passengers should be aware of circumstances excluded from ATV insurance coverage, whether due to higher levels of risk or illegal behavior.

For example, standard ATV insurance policies only cover use for recreational or commuting purposes (such as traveling around your property to a barn or to work). they do not cover loss or damage related to organized races. Most ATV racing insurance policies are offered by specialty insurers.

Operating an ATV on highways and roads is excluded from insurance coverage because it is illegal. there are few exceptions to this rule. local government agencies in the us uu. You can choose to allow off-road vehicle traffic on specific roads and highways, usually within state-owned properties, such as large parks or reserves. signage related to ATVs is usually clear and obvious; don’t assume ATVs are allowed on any highway, road, or trail.

All-terrain vehicles can cross roads or highways, but generally only under specific conditions. must cross at a point designated for vehicles to cross; they can’t just drive over a median. ATVs crossing any road must come to a complete stop and make sure they are visible to traffic. the only exception to this would be operating an ATV on a highway in response to an emergency.

cost of off-road insurance

ATV insurance is often less expensive than motorcycle insurance, although ATVs are covered by motorcycle insurance policies. One likely reason for this could be that most motorcycle and ATV accidents are single-vehicle incidents, so injuries stem from the inherent dangers of motorcycles and ATVs, not from other vehicles on the road. a road or path.

In general, people spend less time and drive fewer miles on ATVs than on motorcycles, resulting in fewer accidents and fewer claims. ATVs typically can’t travel as fast and don’t have as high a top speed as most motorcycles.

The cost of basic bodily injury and personal property liability insurance is relatively inexpensive ($99), as are medical payments and uninsured/underinsured motorist coverage. adding comprehensive and collision coverages increased the cost of an ATV or sport utility vehicle insurance policy by hundreds of dollars.

Comprehensive coverage is likely to add significantly to the cost because off-road vehicles, such as motorcycles, are highly sought after by thieves and are generally easier to steal than a car or boat. For comparison, the average cost of motorcycle insurance in the US. uu. it’s $519 for a typical policy.

To get the best ATV or UTV insurance rate, we recommend comparing quotes from at least three insurers. ATV insurance companies assess the risk of passengers and vehicles differently, so depending on your location and driving history, you may receive a much better rate with one insurer than another. In addition to Geico, certain national insurers, such as Progressive and State Farm, also offer custom ATV and off-road vehicle insurance policies.

discounts on ATV insurance

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Like motorcycle and other vehicle insurance, ATV insurance has discounts available to some policyholders. Most carriers offer lower ATV insurance quotes if you have more than one ATV or motorcycle, have multiple insurance policies (such as homeowners or renters insurance), or have an anti-theft device installed /strong> on your ATV.

Some companies, like Geico, advertise ATV insurance discounts for “mature drivers,” or those who are a certain age or older. however, this is not a true discount: all insurance companies use age as a factor in determining premiums. younger ATV owners are considered higher risk, so they typically receive higher quotes.

allstate suggests ATV owners can save up to 40% on their premiums by taking advantage of the discounts. They offer discounts for having multiple policies, paying an annual premium in full, owning a home, and completing a safety course.

where is ATV insurance required?

Depending on where you drive your ATV, you may be required to carry bodily injury and property damage liability insurance. Since ATVs and ATVs are generally not street legal, do you need motorcycle insurance? For insurance however, many state lands and parks allow ATVs only if passengers have ATV liability insurance.

ATV insurance is not required on private property where someone has permission to travel. For example, the owner of an ATV does not need liability or any other coverage to legally operate his vehicle on land he owns or leases. Still, ATV drivers should consider purchasing a policy to protect themselves and others. If you’re involved in an ATV accident and you don’t have insurance, you’ll be financially responsible for any damages you cause, as well as costs related to your own injuries and damage to your ATV.

Does homeowners insurance cover ATV accidents?

Usually homeowners insurance will not cover your ATV or UTV if it is damaged in an accident, as your property coverage does not extend to vehicles. the only motorized vehicle covered by homeowners insurance might be something like a small electric scooter. however, even that can be excluded if you were evicted from the owner’s property. any other vehicle, such as a car, boat, or ATV, requires its own separate insurance policy.

but your homeowners liability insurance may cover an ATV accident if someone else was injured or their property was damaged. For example, if a friend was riding an SUV on your property, got hurt and sued you for damages, your homeowners liability insurance would normally cover the incident. just keep in mind that some homeowners policies have limitations on their coverage, and passengers may need to be a certain age or a similar age, so it’s good to get an ATV insurance policy if you’re worried about a gap.

Will car insurance cover an ATV accident?

Normally, individual auto insurance policies will not provide coverage if you are involved in an accident with your ATV or UTV. however, you may be able to get a discount on your vehicle coverage if you combine your policies with the same ATV insurance company.

Does health insurance cover ATV accidents?

If you’re involved in an ATV accident and can’t rely on another driver’s liability insurance to cover your medical bills, you may be covered by your own health insurance. Whether your health insurance covers ATV and SUV accidents depends on whether your policy has a list of exclusions that names off-road driving as an activity that isn’t covered. Some health insurance policies generally exclude “hazardous activities,” in which case you should ask your representative if medical bills from ATV accidents are covered.

what is an all terrain vehicle?

Each state has its own definition of all-terrain vehicles (ATVs), but the definitions are relatively similar. Any motorized vehicle with two or more wheels intended for off-road driving is considered by most to be an off-roader. they are not intended or licensed for use on highways or roads. The Polaris RZR, Kawasaki Brute Force, and Honda TRX250X are all slightly different from each other, but they are all ATVs. If your vehicle is a UTV, utility vehicle, or side-by-side, it will likely be considered an ATV when shopping for insurance or determining state requirements.

Most people associate single-passenger four-wheelers with ATVs. they are commonly known as four-wheelers, quads, quads, or quadricycles. however, there are many ATVs designed for two passengers, and some have more or less than four wheels. For example, the Polaris Ranger 6×6 has six wheels.

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