Does Your ATV Need Insurance?

​ATVs (All-Terrain Vehicle) are mostly considered any motorized vehicle with two or more wheels meant for off-road driving. When purchased either for working in the yard, riding the trails, or taking exciting trips, this can be fun and exciting, but driving ATVs can come with uncertainties.

To help alleviate these uncertainties, many people apply for an ATV insurance policy.

What Does An ATV Insurance Cover?
Insurance is highly recommended due to the dangers of these four-wheeled vehicles. Your insurer may offer coverage for your ATV as part of an off-road vehicle insurance policy. ATV insurance covers the following four main facets:

Liability
This coverage typically pays for damages associated with injuring someone with your ATV. It also covers any legal fees resulting from any litigation.

Collision
Insurance for this pays to repair damages to your ATV caused by a collision. This also covers the cost of repairs for another person's property caused by a collision with your ATV.

Medical
This covers medical expenses for any injuries or health issues incurred from riding your ATV; it'll cover things like surgeries, hospital stays, or even ambulance transportation.

Comprehensive
With this, you can pay for damages outside your control not caused by accidents or collisions, like loss of ATV due to theft, vandalism, earthquake, fire, and others.

ATV insurance is usually very affordable, costing less than motorcycle insurance and some of the facets are optional. Typically, how much you end up paying depends on the options covered.

Conclusion
ATV riders should have an insurance policy to protect themselves and others. When there's an accident and no insurance, you'll be held financially responsible for the damages caused.

Depending on the state where you drive your ATV, you may need to carry liability insurance. Some state-owned land and parks only allow ATV riders with ATV liability insurance. This will protect you from being sued if you're responsible for injuring or damaging someone else's property.

At Insurance Agency Network, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (425) 448-9190. Get your free quote today by CLICKING HERE. The coverage discussed in this article is not guaranteed. Please call our agents, we are happy to help you learn more about your plan and make sure you have the coverage you need.