All-terrain vehicles provide an opportunity to enjoy the freedom and beauty of the great outdoors in thrilling fashion. However, just as when operating any kind of vehicle, it’s important you take certain precautions to stay safe. This should include buying ATV insurance, which will help limit your financial risk in the event of an accident or theft. While you may be hesitant to spend the extra money on coverage, there are several reasons it’s worthwhile for an insurance agent to customize a policy with all the protection you need. Here’s an overview of why it’s necessary to be properly insured before hitting the trails.

The Importance of ATV Insurance

Compliance With the Law

In Tennessee, if you wish to ride your ATV out on county roads, you must carry proof of liability coverage that meets the same state requirements for auto insurance. At minimum, you will need $25,00 per person and $50,000 per accident for bodily injury and $15,000 for property damage. Additionally, many Tennessee public parks require specialty vehicle operators to be insured.

Liability Coverage

If you cause an accident that injures another party while out riding, your liability coverage will pay for their medical expenses and any additional costs they incur from being hurt. It will also take care of the damages to their property and your legal fees should they decide to bring a lawsuit against you. Without adequate coverage, you would be financially responsible to pay for their losses out of your own pocket.

Protection for Your Investment

ATVs are a sizeable investment. Having your insurance agent include collision, comprehensive, and uninsured/underinsured motorist coverage to your policy will prevent you losing a substantial amount of that investment if your vehicle is totaled or stolen. There is also coverage available to protect your riding gear and the trailer you use to get your ATV from one destination to the next.

If you own an ATV, turn to Southern Insurance Associates for help getting the specialized coverage you need to make the most of your outdoor adventures. Their team of knowledgeable and experienced insurance agents is available to explain your options and advise you on the solutions most suitable for your situation. Based in Hixson, TN, they have provided residents across the state with high quality and competitively-priced products for over 15 years. Call (423) 296-0626 to speak with a friendly insurance agent, or visit their website to request a quote.