From the back of your four-wheeler, you can traverse rugged terrain and take on even the toughest off-road environments. Whether you have a UTV for hunting and ranch work or ride an ATV for weekend fun, we here at Krog Insurance know that where there are vehicles, there is also a danger. Safeguard yourself from the risks of all-terrain vehicle ownership by purchasing ATV insurance that protects you, your four-wheeler, and your passengers against injuries and loss.
Why Purchase ATV Insurance?
Accidents can happen to even the safest riders. In fact, your ATV could be damaged sitting in storage, whether due to a fire, theft, or other loss events. Homeowners insurance may provide some coverage, but it is usually highly restrictive and void once your ATV leaves your own private property.
For complete protection built with your specific risks and needs in mind, consider purchasing an ATV insurance policy instead. This type of coverage can protect you and your passengers if you are injured, compensate you for the cost of repairs if your ATV is damaged, and shield your assets and income if you are sued for third-party injuries or property damages. Not to mention, ATV insurance may be required if you intend to ride your off-road vehicle on public lands, such as state parks.
Types of ATV and UTV Insurance
When you purchase insurance for your ATV or UTV, you’ll talk with an agent who understands the types of hazards you face and the different variables that can affect your risk vulnerability. We consider many factors, including:
- The types of places you ride
- Who rides with you
- The type of off-road vehicle you ride
- Your vehicle’s value
- The assets you need to protect against litigation
- And more
We may recommend a policy that includes specific types of coverage and limits depending on the results of your risk analysis. Your policy may include coverage for:
If you run into another vehicle or object, or if you roll your own ATV while riding it, collision coverage can help pay for the damages to your ride or compensate you if your vehicle is a total loss. Collision pays benefits regardless of fault, although any claims may be subject to your deductible. If you choose a low deductible, you will have a smaller financial responsibility in the event of a loss. If you choose a high deductible, you will pay more toward the cost of your claims, but you may enjoy lower overall premiums.
If your ATV is stolen or a fire destroys it while it is parked in storage, comprehensive coverage can help pay for the damages or compensate you if your vehicle is a total loss. Generally, comprehensive coverage protects you against most non-collision events, although some exclusions may apply depending on your insurer. Like collision claims, and claims made against your comprehensive coverage may be subject to a deductible.
Property Damage Liability
When you accidentally damage someone else’s ATV, vehicle, or other personal property, you may be obligated to compensate the victim. Property damage liability covers repairs and total losses up to the limits within your policy.
Bodily Injury Liability
When you cause an ATV accident that injures someone, you could be sued for the victim’s medical bills, lost wages, and other related expenses. Any damages that exceed the limits in your bodily injury liability coverage are still your responsibility. Instead of liquidating your savings and investments or spending years paying off a large debt, choose high-limit bodily injury liability coverage that will better protect you against legal fees, judgments, settlements, and more.
If you are injured while riding your ATV, it is important that you receive any necessary medical attention right away. Medical payments coverage provides limited medical bills reimbursement for you and your passenger if you are injured in an accident, regardless of fault.
You can take responsibility for yourself, but you cannot force others to take responsibility for themselves. If you are injured by an uninsured rider or motorist, you may have difficulty recovering compensation for your losses. With uninsured motorist protection, you can make a claim against your own policy for injuries you and your passengers sustain due to the fault of an uninsured driver. You can also purchase underinsured motorist coverage, which can pay for certain losses that exceed the limits of an at-fault driver’s coverage.
If you’ve added aftermarket parts or enhancements to your UTV or ATV, those upgrades may not be fully covered by standard ATV insurance. To better protect your special equipment, talk with your agent about adding additional coverage to your policy.
How Much Coverage Do You Need?
There is no way to accurately predict how much you may be sued for, how much your medical bills will total, or how badly your ATV will be damaged. What you can do is take precautions to assure you are well-protected against the worst plausible scenarios. At Krog Insurance, we help riders like you calculate your coverage needs based on your riding habits and other contributing factors. We will help you narrow your selections and find a policy with the coverage you need at a competitive price you can afford.
ATV Insurance Discounts
In addition to shopping and comparing rates on ATV insurance for you, we can also help you identify any discounts you may qualify for. Though ATV insurance discounts vary from company to company, many offer additional savings for riders who:
- Remain claims-free
- Have no accidents or violations
- Store their ATVs for part of the year
- Take ATV rider safety courses
- Insure multiple vehicles
- Purchase other lines of coverage
- Pay premiums in full
- And more
Free ATV Insurance Quotes
If you need new insurance for your ATV or plan to purchase an ATV in the near future, let us help you explore your coverage options. Contact Krog Insurance for more information and to request your free quotes. We look forward to serving you soon.