Riding an all-terrain vehicle offers a fun and exhilarating experience. They can also be helpful when doing work in the yard or around a farm. However, just as with any vehicle, there are risks that come with owning and operating an ATV. As such, purchasing adequate insurance coverage should be a priority. Below are the answers to some of the most common questions that come up regarding ATV policies.

A Guide to ATV Insurance 

Is it required? 

Since riders are prohibited from operating an ATV on the streets and highways, you’re generally not required by law to carry insurance. Despite this, ATV accidents do occur and any time you hit the trails there’s the potential of getting injured or injuring someone else. Alternatively, your vehicle could sustain serious damage. Without coverage, you might end up being responsible for paying a substantial amount out of pocket for medical expenses and repair bills.

What does it cover?

Depending on what you choose to include in your policy, ATV insurance can offer the same type of coverage as auto insurance. This includes liability for accidents you cause, collision to cover damages to your ATV, and comprehensive to help pay for losses due to fire, flooding, theft, vandalism, or animal impacts. You should also invest in uninsured/underinsured motorist coverage to protect against crashes caused by someone else who is insufficiently insured. If your ATV is customized, you can also add a custom parts rider to cover the repair or replacement of these features.

Are there any exclusions?

Like most policies, your ATV coverage will have exclusions. Standard policies are usually designed to cover recreational riding or commuting. Thus, if you use your ATV for racing, you may need to get a special endorsement.

Also, it’s not likely you’ll be covered if you get into an accident on a public road, as they’re not street legal. Furthermore, passengers may only be covered if your vehicle is specifically made to carry more than one person.

How can I reduce my policy premium? 

Often, insurers will offer discounted premiums for maintaining a claims-free driving record. Generally, you can also save money by bundling your ATV insurance with other kinds of coverage from the same provider, such as your home or auto policy.

Additionally, ATVs that are considered more aggressive or have a higher displacement typically cost more to insure, so you want to steer clear of these vehicles to keep rates low.

If you’re looking for reliable ATV coverage, reach out to Michael E Glick Insurance in Boerne, TX. They’ll help you find the coverage most suitable for your needs and work with you to customize a policy that offers maximum financial protection. Since 1991, they’ve been dedicated to providing residents throughout the Hill Country region with quality solutions and invaluable peace of mind. Call (830) 816-9488 to schedule a no-charge insurance review or visit them online to request a quote.