Whether your ATV requires car insurance coverage differs from location to location. Chances are you will need liability coverage if you ride on public land. Although some states will not need you to provide proof of having full coverage for your ATV, many areas still demand by law that you hold at least minimal liability coverage for your recreational vehicle.
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Have you thought about what would happen if you injured yourself or another party while riding this recreational vehicle? Make certain you familiarize yourself with the state and local car insurance laws as they pertain to who can drive the ATV and any and all insurance procedures for this trail blazing motorized machine.
Should I buy car insurance for my ATV vehicle?
The bottom line is that you have the same risk of accident in an off-road vehicle as you do in your car. In fact, in all likelihood, you have a higher risk of having an accident because there are no rules and regulations keeping off-road drivers in check.
In most cases, an off-road vehicle represents an investment of thousands of dollars.
If you have an accident and you don’t have insurance, the question you need to ask yourself is if you can afford to replace that vehicle outright.
In addition, if you are the cause of an accident while driving an off-road vehicle, you can be held financially responsible for damaging someone else’s property as well as for any medical costs that come up. What’s more, if you are found negligent in a lawsuit, then you could end up paying even more than you can imagine.
According to the Insurance Information Institute, off-road vehicles are frequently stolen out of yards and garages. If you maintain an insurance policy that includes comprehensive coverage, then the theft of your vehicle will be covered as well.
Can I ride on public land with my ATV?
If you own private acres and acres of woods, sand dunes and trails then in nearly every state you wouldn’t need insurance by law; but most of us take our ATV onto more open spaces, which are primarily public or state owned lands.
When riding on public or state owned land, you will be required to carry some set amount of liability insurance. In some states you should be prepared to have to hold more coverage than just plain old liability as well.
Is it mandatory that I register my ATV?
This will all depend on the state you reside in. Do your due diligence and jump on your state’s DMV (department of motorized vehicle or MVD in some states – motorized vehicle department) website and see if you can find out the laws in regards to ATV ownership.
If the website doesn’t provide any help then make a call or trek down to one of their offices and find out if you need to register your vehicle.
Will my homeowner insurance policy will cover my ATV?
Unfortunately this is not the case. You may be able to wrangle away some minimal or partial coverage through your homeowner’s policy, but you shouldn’t bet on it. Nearly all motorized vehicles are not allowed to be in homeowner insurance policy.
You will have to seek out a car insurance company that specializes in ATV insurance, or find a different branch in your current insurance provider company that deals with recreational vehicle insurance.
Here is an array of covers you should consider before purchasing an ATV:
- Comprehensive & Collision – this cover will assist in helping you if your ATV gets into a collision with another ATV or motorized vehicle, as well as if you run into a building or immovable object. As in standard car insurance coverage, this comprehensive element of the policy helps you with any incidents, no matter who is at fault, in regards to damage to your ATV other than collision.
- Bodily and Property Damage Liability – this type of coverage will help you in the event you damage or injure another party or property while driving your ATV.
- Medical Payments Cover – This is a good type of cover to have because it provides compensation for the medical services sought out and given to you after being hurt in a ATV accident, regardless of who is at fault.
- Uninsured or Underinsured Driver Cover – As in standard auto coverage policies, if you find yourself in a horrific accident where the other party who was driving either has very minimal insurance coverage, or absolutely no vehicle insurance of any kind, this type of cover allows you to sleep well at night in regards to potential medical bills and repairs to your ATV you may have to incur on your own.
- Accessory Coverage – This coverage protects any and all electronic devices already a part of the ATV, as well as any upgrades and modifications installed in your ATV that were not originally there when you purchased it from the dealer. Other items covered would include helmets, trailer, and covers to name a few.
Is car insurance for an ATV expensive?
In general, insurance for your off-road vehicle isn’t expensive. Part of the reason is that it is unusual for an off-road vehicle to cost as much as a car.
What’s more, the expectation is that you won’t be driving your off-road vehicle all of the time, which reduces your costs.
The reason that it won’t be dirt cheap, however, is because of the type of use an off-road vehicle gets. You won’t be traveling paved roads or be confined by any traffic laws, so this will prevent your insurance from being unbelievably low.
What other factors can affect my ATV insurance coverage?
Of course your driving record, the type of safety equipment you have with the ATV, your age, sex and the cost of your ATV will affect your insurance coverage to some extent. Other issues that cause your insurance premiums to go up or down is if your state has environmental concerns that can be effected by riding your recreational vehicle.
Lastly, if you want your ATV to be legal on the freeways and highways, this would mean a more comprehensive and intricate insurance policy.
To get a well rounded understanding of how ATV insurance coverage works, you need to compare online car insurance quotes by typing in your ZIP code now!