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What Does ATV Insurance Cover?

ATV insurance can protect your finances in the event of loss, damage, an accident, injury or theft of your vehicle.  Here are some details:

  • Liability coverage will cover the costs of bodily injury and property damage up to a determined amount if you cause an accident.  It will also cover the cost of your legal fees if you are sued.
  • Collision coverage will pay for repairs to your damaged ATV after an accident.
  • Comprehensive coverage is optional, and will provide protection if your ATV is stolen, damaged by fire, vandalism, or severe weather.
  • Uninsured/underinsured motorist coverage, also optional, will help cover your costs if another rider causes and accident, and does not have the insurance to pay for your expenses.

How Does ATV Insurance Work?

ATV insurance works similarly to auto insurance. Because ATVs can be risky – for the riders, passengers and those around them – your ATV insurance is designed to help cover the costs associated with a mishap or incident, as well as theft. ATV insurance helps you recover financially so that the cost of repairs, injuries and even lawsuits do not end up costing you more than you can manage out of pocket. If you are in an accident that results in injuries or damages, your insurance agent can help you get compensation and start the claims process.  First, supply any available documentation or photos of what occurred. An adjuster will review the damage and determine your compensation based on the amount of coverage, the type of loss, and your deductible.

How Much Does ATV Insurance Cost?
ATVs and their riders are different, so it is very difficult guess what your particular premium cost will be. There are many factors that go into a premium – driving record, top speed of the ATV, how often it is used (do you drive it around on your ranch every day, take it out on weekends or just during the summer months?), your credit history, the ages of the allowed drivers, your age, gender, etc. Virtually every state has different standards of insurance coverage for ATV owners.
You can call Verne Hart Insurance at 740-387-0643 for specific questions on Ohio ATV insurance.

How Much ATV Insurance Do I Need?
There are many factors that go into determining how much ATV insurance is adequate. Every ATV is different, and every driver is different. How you use your vehicle is a good indicator of how much ATV insurance you should have – for example, whether you use it for dune riding where visibility is good, or back woods riding where trees and hillsides can obstruct your view. Additionally, the value of your ATV, the value of the assets you want to protect in case of a liability claim against you, and how much risk you take while riding can all be indicators of how much ATV insurance you need.

For assistance on picking the correct coverage for your unique ATV insurance needs, give us a call at 740-387-0643

Posted 10:53 AM

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