All-terrain vehicles (ATVs) are associated with fun and adventure. However, in the event of an accident, you want to know that you and your ATV are protected. Understanding the basics of ATV insurance can give you peace of mind so you can truly enjoy the freedom of the trail. 

What Does ATV Insurance Cover?

ATV coverage is similar to auto coverage. If you cause an accident while riding, liability insurance will pay for property damage and bodily injuries incurred by others. Liability coverage is also crucial in the event of a lawsuit. In this case, you’ll have access to funds to cover things like legal fees and attorney costs. There are also other types of coverage available for your ATV.

Collision insurance helps pay for damage to your vehicle, while comprehensive coverage pays for non-accident damage. This may include theft, vandalism, fire, or damage caused by inclement weather. If you’re involved in an accident caused by a driver with insufficient insurance coverage, uninsured or underinsured motorist coverage is a must.

Is This Insurance Mandatory?

All states, including New York, have mandatory minimums for auto insurance coverage for passenger vehicles driven on public roads. For ATVs, New York also requires riders to have a minimum amount of coverage. Riders are obligated to present proof of insurance to law enforcement officials or to other motorists involved in an accident with the vehicle. 

Riders are required to have $25,000/$50,000 of coverage for bodily injury, $10,000 for property damage, and $50,000/$100,000 for loss of life related to an ATV accident. However, you are permitted to operate an ATV on your own private property without liability insurance. 

For help deciding what level of ATV coverage is right to help protect you and your vehicle, reach out to the professionals at Truax Insurance in Ogdensburg, NY. They also cover RVs, snowmobiles, and other vehicles, in addition to offering home, life, and business insurance. Call (315) 393-3805 for more information on securing coverage for your vehicle or visit their website for more details.