ATV insurance protects you in the event of damage to the vehicle, an injury, or theft. As with auto policies, you have several options for ATV coverage, from simple collision or liability to full coverage insurance. Here’s what you should know.

A Guide to ATV Insurance

What does ATV insurance cover?

It depends on the type of coverage you choose. Liability protection covers costs of bodily injury and property damage if you cause an accident or are sued for causing one. Collision covers the cost of accident repairs to your ATV.

Uninsured or underinsured motorist policies will cover some of the costs if another driver causes an accident and doesn’t have insurance. A comprehensive policy covers damage resulting from non-accident sources, like fire, weather events, or vandalism.

You might also have the option of full coverage insurance, which may contain some or all of the previously mentioned protections. Note that all coverage is only provided up to the stated plan limits.

Is ATV insurance required by law?

Nebraska requires you to carry liability insurance for your ATV. While coverage beyond liability isn’t legally mandated, it offers extra protection for you, your riders, and others on the road or trail. An ATV is an expensive investment, and you want to safeguard it as much as possible.

Will the policy cover riders, passengers, or someone to whom I've lent the vehicle?

These individuals are covered in most cases. Check your policy for the carrier's definition of covered persons.

In general, however, if the driver—whether you or someone to whom you've lent the ATV—is at least 16 years old and is licensed to drive, coverage is provided. Riders are also typically covered.

When should I get a quote?

The law requires you to have at least liability insurance before you get on the ATV, so many owners get a quote once they've found a vehicle they want to buy. If you've had your ATV for some time with only liability coverage, you can request a quote at any time for full insurance coverage options.

When you need ATV insurance in the Beatrice, NE, area, contact Fritch Insurance. They offer ATV and auto insurance, home and business policies, farm and crop coverage, SR-22 plans, and full coverage insurance options to customers throughout Southeast Nebraska and Northeast Kansas. They have relationships with a wide variety of carriers so that you can always find the best insurance solutions for your needs and budget. Call (402) 223-3312 or visit their website to request a quote.