When you use your ATV to go for a ride on those backcountry trails, discover the best hunting spot, or head across the field on your farm, you can rest assured you have the insurance protection you need should an accident occur.
Our experts can guide you through the unique coverage that ATVs require so you can relax and enjoy your adventure—you'll know you are covered properly while paying great, low rates on your ATV insurance.
Josephine Yonangitti—Personal Account Executive
Many people think their homeowners policy will provide the protection they need for their ATV activities, but a homeowners policy is simply not enough. The coverage provided by a homeowners policy may limit your coverage to liability, or it may only cover your ATV if you drive it on your property. You need coverage that can go everywhere you venture and protect you against your specific ATV risks.
Liability insurance is often required to drive on public or state lands. ATV liability insurance covers damage to someone else's property or if someone else is injured. ATV liability insurance, however, doesn't cover injury or damage to you or your property.
ATVs can go almost anywhere—unfortunately, those "all terrain" moments sometimes end in a collision. If an accident does occur, you'll be glad you had collision insurance. Collision insurance covers damage to your ATV that affects the operation or safety of the vehicle. It does not typically cover cosmetic damages.
If your ATV is damaged by something other than a collision--such as a fire--comprehensive insurance can provide coverage for that damage. It can also cover permanent accessories attached to your ATV.
Uninsured or underinsured motorist coverage
If your ATV is hit by someone without insurance, uninsured coverage will help--up to your coverage limit.
Medical payments coverage
ATVs can be dangerous. There were an estimated 115,000 ER visits from ATV injuries in 2010. ATV medical payments coverage pays for necessary medical treatments as a result of an ATV accident, no matter who is at fault, up to your coverage limits.
Here are some other considerations that your Leavitt Group agent can walk you through as we put together an ATV policy that is right for you: