A Guide to ATV Insurance: What and Who Does it Cover?

Posted on May 31, 2019
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All-terrain vehicles are known to give off a sort of thrill that could get anyone out and about. For the past decade, the number of injuries and deaths associated with ATVs is over 26%.

That is why ATV Insurance is very important.

Does ATV need insurance? Well, yes. Your ATV could get stolen, vandalized, or damaged by weather extremities. Worst of all, you could be a victim of an accident.

Reasons to Invest in an ATV Insurance Cover

Many insurance companies will sell you insurance for your ATV, UTV, and side by side. But what they don't tell you is why you should invest in it in the first place. Below are the main reasons that you should insure your ATV.

Country Laws

In some states, the law stipulates that having ATV insurance is mandatory. Whether you will be riding off the road or on trails on the public road. It is a must to have insurance to be allowed to operate the vehicle.

First Time User

For all first timers, it is natural that most will prefer to be on the safer side. Purchasing an ATV is rather expensive, not to mention difficult to find original spare parts. Am insurance could aid you to protect your investment.

Many Users

In case you will not be using the ATV by yourself, it is advised that having insurance is the best option for you. You plus all other passengers will be protected from any payments on damages, lawsuits or medical expenses.

Benefits Uncovered

The benefits of having insurance clearly surpass the reasons not to have it. This 4 wheeler insurance could aid pay for all your motorists concerns as you drive away from your private property. All accidents and damages will not have to be paid from your pockets.

What does ATV Insurance Cover?

ATV insurance coverage is a safety net for you as you undertake all your recreational activities like taking spins at parks or landscapes. It can also protect you as you trail over private land.

The insurance coverage is all rounded. From accidents to theft, fire or vandalism cases, you will be all protected. Further details about this insurance cover can be read below.

Personal Liability

In the event of an accident, passengers on either side of the vehicles could get injured. In this case, this liability coverage will ensure that all persons are taken care of. That is why this coverage is also referred to as bodily injury liability.

By bad luck, the passenger could die on the scene of the accident. Insurance agents will then aid you by assigning you a legal defense and pay the legal fees. The third party will represent you against any legal prosecution.

All limits to this cover vary from person to person. The amount also varies according to the nature of the accident and the people involved.


Collisions are also prone to occur. In this case, the insurance will cover any damages caused to your all-terrain vehicle. Whether it is subject to an accident or the car just hit an object. In conjunction with the OEM endorsement, the insurance will work to get your vehicle in good shape.

Damage of Property

This liability coverage is meant to insure you against damages that could occur on someone else's property caused by your vehicle. Under a scenario, you could hit a fence or a poster on your neighbour's yard. This cover will protect you against lawsuits and pay for any damages or required fees.

The cost of this coverage is slightly lower than the bodily injury liability coverage.

Comprehensive Coverage

Your four-wheeler could get stolen, vandalized or a victim of a fire. This comprehensive coverage should be able to pay for any damages caused to the structure of the vehicle. Plus, pay for any replacements needed.

This cover can also insure your vehicle in the case of floods, strong winds, and other weather extremities.

Uninsured Motorist

Not all motorists have insurance for their vehicles. When an accident occurs, they will not have insurance to cater for financial losses, regardless of who caused the accident.

In this case, the insurance will be able to cover both you and the other motorist with no issues whatsoever.

It can also aid you in the case of a hit and run situation. When an accident occurs and the driver who hit you runs from the scene of the accident to avoid liabilities.

Underinsured Motorist

In other scenarios, the motorist can, in fact, have insurance coverage. But, the amount of the deductible is not sufficient to cater for the incident. ATV insurance will chip in and cover for any losses or damages that will occur.

Medical Payments

For all your medical expenses, the insurance will cover any costs for you and your passengers. It is also referred to as PIP, personal injury protection. The coverage can range for any amount depending on the amount you want to be deducted.

Typical payments covered include surgeries, inpatient services, ambulance transportation, and x-rays.

This type of insurance coverage could also cover any funeral expenses. In the event that you pass on in the accident, an insurance agent will be tasked with giving you a proper send-off.

OEM Endorsement

After a collision, damages to your four wheelers could mean that you need new spare parts for repair purposes. This endorsement is an optional section that helps ensure that your car receives the best spare parts from the original equipment manufacturer. Hence the abbreviation OEM.

Limits to an ATV Insurance cover

Insurance for ATVs can be all-inclusive, but don't mistake it for coverage under illegal scenarios. Below are some of the limitations under the insurance policy.

● Riding in organized racing environments. Any damages or losses incurred while riding here will not be compensated by the cover.
● Riding using public roads or highways. It is actually illegal to ride in either of these two places. There are local marked areas to ride but they are still considered unsafe and illegal.

If an owner or a rider is caught riding in either of the above situations, the insurance will deny any claims whatsoever. The only exceptions allowed for this case is if riding was for emergency purposes.

Who does the Insurance cover?

The insurance cover will shield owners and riders above the age of 16 with a valid driver's license. The policy will also cover your vehicle in the event of a misfortune.
All riders should be of age and have a valid license with them in an event of an accident. Failure to which, all claims shall be denied by the insurance agency and any payments will have to be billed out of your pocket.

If you are on the right side of the law and injuries or accidents occur, an agent can sufficiently aid you in whatever is required. You will be covered from:

● Damages to your vehicle and other motorists
● Medical payments for you and other motorists.
● Injuries sustained to your passenger
● Any legal fees or lawsuits filed against you.

You will be covered according to the reviewed amount stipulated for the type of incident or accident.


Common questions regarding insurance policies can be seen here. But, just to answer a few.

1. How much Insurance Coverage is Needed for my ATV?

There are factors to consider before taking any of these coverages in the policy. They all cover different sections regarding the vehicle. Plus, they are not mandatory to have all of them.

A good determinant on the types of insurance you should take for your insurance is how often and where you ride your ATV.

Another ideal determinant is the value of the assets. As mentioned above, the value of an ATV is quite high and it's natural to want to protect your assets against as many issues as possible.

2. Can Auto Insurance or Homeowners Insurance Cover my ATV?

No. ATVs mostly fall under the motorist insurance policy.

The car is open with no bodily shields surrounding it. Auto insurance may not sufficiently cover all aspects of your ATV. As a matter of fact, this insurance may only pay for replacements of spare parts and small injuries to your vehicle.

As for the homeowner's insurance. It lies in a very different section of insurance. Much like health insurance, homeowners insurance can only foot bill payments for medical injuries. Even that, the payments may not be made in full.

According to NAIC, ATVs are not standard auto vehicles and they cannot be placed in the same category. It would be best to just get an all-inclusive ATV insurance coverage.

Insure Your ATV Today for a Better Tomorrow

You did not spend all that money purchasing an asset that you will not invest in. Take a step to protect your vehicle with the ATV insurance policy. Safeguard yourself, your passengers and any other individuals who may be a victim to an accident caused by the ATV.

Reach out to us and speak to an agent. They can help you understand all you need to know about this insurance cover.

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