Riding your all terrain vehicle (ATV) can be fun and exciting, but it can also be dangerous and costly if you do not have the proper ATV insurance. ATV insurance comes in a variety of packages, and getting the right package, at the right price, should be a priority for anyone who travels on an ATV.
Many states have now mandated certain types and coverage levels for ATV insurance. This is the best place to start when you need to provide insurance for your vehicle. Once you know what your state requires, you can shop for the best value. It is important to remember that not all homeowner policies cover ATV's even if the vehicle is being operated on the owner's property. Homeowner's insurance will certainly not cover you or your vehicle if you happen to ride off the property. You can count on that.
Most Off-Road Vehicle Insurance packages cover recreational uses only. If you use your off-road vehicle in a commercial setting, consider Commercial Vehicle Insurance or an appropriate specialty insurance product.
Basic types of ATV insurance:
ATV Insurance: Comprehensive Coverage
Generally, comprehensive insurance pays when there is some form of damage done to the vehicle. However, in most cases, it does not pay for damages that occur during a collision. Comprehensive is used when damages are caused by such things as fires, floods, theft, storms, and vandalism. Normally, you will pay the deductible and the ATV insurance will pay for the rest.
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