All-terrain vehicles, or ATVs, have become enormously popular in the last decade and have proven a source of endless entertainment for many people. Unfortunately, they have also become a source of frequent accidents, as well. That's why ATV insurance is so crucial if you are going to own one. If you enjoy off-roading on your all-terrain vehicle, you may have questions about this type of coverage. Below are answers to some of the most common.

Frequently Asked Questions About ATV Insurance

Is ATV insurance required in Ohio?

No. Unlike auto insurance, which the state Bureau of Motor Vehicles requires you to buy for every registered automobile, ATV insurance is not required under Ohio law. However, you do have to wear a helmet while operating one, and you are not permitted to drive it on public roadways. 

Do you need a separate ATV policy?

If you want coverage, you must purchase ATV insurance. These vehicles are not covered under your homeowners insurance or auto insurance policies. 

What does ATV insurance cover?

Like auto insurance, ATV policies feature a collection of coverage types. For instance, you can buy collision coverage, which covers accident damages that occur while the vehicle is in use. You can also opt for comprehensive coverage, which pays for losses due to fire, flood, vandalism, and theft. Medical payments coverage pays for the cost of medical care if you are injured, while liability coverage pays for repairs and medical attention if you should accidentally injure someone or damage their property.

Does ATV insurance cover passengers?

It varies by insurer, but most policies cover drivers and passengers. However, some exclusions may apply. For instance, the driver may need to be at least 16 years old and have a valid driver's license to be covered.

To discuss your ATV insurance options with an experienced agent, contact Siemers Insurance Agency in Cincinnati, OH. They have served individuals and businesses throughout the region for more than 60 years and have built a sterling reputation for exceptional customer service. They also specialize in commercial, home, motorcycle, and auto insurance. Visit their website to reach out to them online or call (513) 469-8877 to request an insurance quote.