Reasons to Obtain All-Terrain Vehicle Insurance (ATV)
May 10, 2023
Riding on an ATV in the fresh, clean air of the mountains or countryside is an indescribable pleasure that can only be felt. It's not fun to consider insurance against damages and injuries, but you and your agent must climb this hill together so you can continue doing what you love.
Here are many reasons to contact your agent and discuss the proper coverage so you can return to your vehicle without worry:
We recognize that damage to the ATV is a distinct possibility in the rough and rugged terrain that you appreciate. Protect yourself with liability, collision, or comprehensive coverage as you would with your car, truck, or boat. You should be concerned about other vehicles and property in addition to your own.
It May Be Required By Law
Most states require insurance when operating an ATV on public land, and some require it when operating the vehicle anywhere other than on your own property. Your state may also prohibit you from driving your ATV on paved roads. To avoid a ticket and fines, it's best to ask your agent about the minimum requirements for insuring your ATV in your state.
Due to its high value and portability on a truck bed or trailer, your ATV is an attractive target for thieves. Protect it as much as possible from theft by following your agent's advice, such as removing the keys, locking the steering wheel, and blocking it in with another car if you can't keep it inside.
Each year, there are approximately 400 fatalities and over 90,000 injuries involving ATVs. The four most common ATV injuries are concussions, broken bones, spinal trauma, and cuts and bruises.
Insurance is available for unforeseen accidents ad damage. The average monthly premium for a standard policy is usually less than $100.00, but it can vary greatly depending on your age, location, amount of use, and ATV model. The only way to be sure is to schedule an appointment with your agent and receive a quote.
Your time on your ATV should be worry-free and fun. Let your local agent protect you in the most effective manner possible.