There is an operative word in ATV, and that’s “vehicle.” Your ATV (All-Terrain Vehicle), also known as a quad or a four-wheeler, needs insurance just like any other vehicle. While there’s nothing quite like the rush of hitting the trails on an ATV, you as a rider know that this enjoyment comes with risks. From unexpected crashes to theft, accidents can happen in an instant.
That’s why having the right ATV insurance is just as important as wearing a helmet. It keeps you protected financially and gives you peace of mind so you can focus on the ride.
Without a dedicated ATV insurance policy, you could be left paying out-of-pocket for:
- Repair or replacement costs if your ATV is damaged or stolen
- Medical bills if you or a passenger are injured
- Liability expenses if you accidentally hurt someone else or damage their property
A single accident can be very expensive. ATV insurance ensures you’re protected on every ride, whether it’s a quick spin around the farm or a weekend on challenging trails.
Every rider’s needs are different, but here are some common types of coverage that’ll help keep you fully protected:
- Liability Coverage – Pays for injuries or property damage you may cause to others while riding.
- Collision Coverage – Covers repairs to your ATV if it’s damaged in a crash.
- Comprehensive Coverage – Protects against theft, vandalism, fire, or storm damage when you aren’t using your ATV.
- Uninsured / Underinsured Motorist Coverage – This is essential for when someone else causes an accident but doesn’t have enough insurance.
- Accessory Coverage – Includes custom parts and performance upgrades that aren’t covered under standard policies.
The right ATV insurance protects your investment and your peace of mind, so you can focus on what matters: enjoying the ride.