An ATV can offer hours of fun and excitement, but just like any vehicle, comes with risks that can result in accidents and costly repairs. To protect you in case of collisions, injuries, theft, and other unexpected events, consider getting an insurance policy for your all-terrain vehicle, which will save you from financial responsibility. If you want to learn more about insuring your ride, here is a guide to all you need to know about ATV insurance.

What to Know About ATV Insurance

Is ATV insurance required? 

Nebraska law mandates that ATV riders carry liability insurance when operating an all-terrain vehicle on city streets or highways. Many national, state, and other public parks also require specialty vehicle riders to have coverage. 

What does it cover? 

An ATV insurance policy lets you customize a plan that fits your riding needs. It often covers liability, saving you from financial responsibility in case you cause injuries or property damage, and covers the repairs or replacement of your ATV should you collide with an obstacle. Comprehensive coverage takes care of replacement or repairs if your ATV is stolen or damaged due to flooding, vandalism, or fire. You can also tailor your policy to protect you in case you collide with an uninsured driver.

How much protection do I need?

This will depend on several factors unique to your driving habits and the value of your ATV. If you often ride in the woods, where it can be difficult to see what’s ahead, your chances of getting involved in an accident are probably high, so you may want comprehensive coverage to insure you in every situation.

Do I need coverage in the off-season?

Even if you only ride your ATV during certain times of the year, maintaining coverage year-round is usually less expensive than starting and ending policies throughout the year. This will also ensure you’re protected from events like fire and theft, which can happen no matter the season. 

Before you hit the trails again, protect yourself with the right ATV insurance and relish in a carefree off-road experience. Based in Beatrice, NE, the professionals at Fritch Insurance Inc. help residents throughout Southeast Nebraska and Northeast Kansas find the right coverage for their specialty vehicles, homes, farms, businesses, and more. Visit them online to learn more about the carriers they work with, or call (402) 223-3312 to discuss your options.