The only thing ATVs and cars have in common are that many of them have four wheels.
So why do so many insurance companies think they can apply their auto coverage to your ATV?
We don't know either, but we do know how to protect you on your next off-road adventure. Click on the coverage types below to learn a bit more about them. For an in-depth explanation, feel free to call one of our ATV insurance experts at (800) 236-4ATV.
Accessory Coverage
Bodily Injury Liability
Collision
Comprehensive
Medical Payments
Property Damage Liability
Uninsured/Underinsured Motorist Bodily Injury
Uninsured/Underinsured Motorist Property Damage
Accessory Coverage
Accessory coverage is for those items which are not included as standard by the manufacturer of the ATV and were added onto the ATV. These can include but are not limited to: plows, windshield, luggage rack, safety guards, custom seat, chrome light bars, radios and CBs.
Accessory packages ranging from $500 to $10,000 are available. The accessory coverage cannot be more than 50% of the ATV's current market value. In cases where the ATV is customized beyond that, agreed value coverage may be an option.
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Bodily Injury Liability
This coverage provides protection on your behalf to someone to whom you become legally liable due to an ATV accident which causes injury, sickness or death.
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Collision
This coverage provides protection against loss caused by collision or upset. Deductible options: $500 or $1000.
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Comprehensive
This coverage provides protection to your ATV for damage which occurs as a result of loss other than collision. This would include occurrences such as fire, theft, vandalism or hitting a deer. Deductible options: $500 or $1000.
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Medical Payments
This coverage provides excess medical payments coverage (after any other medical coverage) for any operator, regardless of fault, subject to the coverage limit and deductible.
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Property Damage Liability
This coverage provides protection for other persons' property if you become legally liable for the damage while operating the insured ATV.
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Uninsured/Underinsured Motorist Bodily Injury
This coverage provides protection for your injuries or death if you are involved in an accident with a motorist that has either no insurance or insufficient coverage and the other party is considered at fault. Coverages available vary by state. Please call ATVlinESM at 888-755-4ATV (4288) for specific information regarding your state.
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Uninsured/Underinsured Motorist Property Damage
This coverage offers additional protection against property damage caused by a motorist that has either no insurance or insufficient coverage and the other party is considered at fault. This coverage may be available in your state. Please call ATVlinESM at 888-755-4ATV (4288) for specific information regarding your state.
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