All About ATV Insurance

Four-wheelers, ATVs, and side-by-sides are a lot of fun and serve many purposes. Some four-wheelers and side-by-sides are used for work purposes around a farm or hunting. But many people use four-wheelers and side-by-sides for weekend fun! It doesn’t matter if you use your ATV for business or pleasure when you hit the trails you need to have quality coverage.

Why you need insurance for your four-wheeler or side-by-side.

Owning a recreational vehicle is a lot of fun for the entire family and offers a great way to spend time together outdoors. While many people think that because they primarily use these vehicles on private property they do not require insurance but this is not always the case. Insurance is not just a legal obligation, it is also a protection from personal liability. If you are on your ATV and have a mishap the repairs for your vehicle as well as the cost of any medical expenses will fall to you. This is also true if a passenger or third party is injured. Most auto and homeowners insurance policies provide little, if any, supplemental coverage for off-road vehicles. It’s important to choose specialized protection for your ATV like:

  • Bodily injury liability
    If someone gets hurt in an accident and you’re at fault, this covers the medical expenses.
  • Property damage liability
    Covers the damages if you’re at fault in an accident that involves another person’s property. Usually, that includes things like vehicles, homes and buildings.
  • Collision coverage
    Reimburses the cost of repairing your ATV after damage due to a collision with another object, such as another off-road vehicle, tree or fence.
  • Comprehensive coverage
    Covers damage to your ATV resulting from almost anything: flooding, wind, vandalism, theft and other events not involving a crash with another vehicle

My ATV Is customized, is there coverage for that?

Custom parts and equipment can be added to most policies. Some policies will even include some customer parts and equipment into your base rate. If your ATV is customized it is important to keep up to date documentation of custom parts in the event of a claim.

If you have a four-wheeler or another recreational vehicle, it’s time to find out more about your insurance options. For a quote on your ATV/UTV or side-by-side, give us a call at 417-581-5818. Our licensed staff can quickly and easily help you decide what coverage and options are right for your situation.