Wherever there are winding trails and rugged land, there are also ATV riders eager to traverse the wild terrain. When your spirit of adventure is calling you off-road, be sure to protect yourself with ATV insurance that minimizes the financial risks of owning and operating an all-terrain vehicle. At Jarosch Insurance, we can help you protect your four-wheelers, passengers, and yourself against potential injuries and loss.
Why Purchase ATV Insurance?
Homeowners insurance is not enough to fully protect you against the risks of off-road riding. Not only is the coverage typically highly restrictive, but it is also generally limited to incidents that occur on your own land. In other words, you’ll need ATV insurance if you prefer comprehensive protection or if you plan to ride or trailer your ATV away from home.
ATV insurance policies are built with the specificities that matter most to off-road riders. It can include protection against injuries, physical damages, liability, and of one of the biggest risks for ATVs – theft. And if that’s not enough to convince you, consider this: The state may require you to carry ATV insurance if you ride on public lands.
Types of ATV Insurance
ATV insurance policies are made up of multiple coverages. Depending on your needs, risks, and preferences, we may recommend coverage for:
Collision
All it takes is one ill-placed rock, feeble ledge, or mud-slick to lose control of your off-road vehicle. If you roll your vehicle or hit something while riding your ATV, collision coverage can help cover the cost of repairing it or compensate you for your loss. Collision coverage protects your all-terrain vehicle regardless of who is at-fault for the damages. Just be prepared to pay your deductible toward the value of your loss. Many riders choose high deductibles in exchange for lower policy premiums, although a low deductible can minimize your financial burden after an accident.
Comprehensive
Not all damages are caused by accidents. When your ATV is damaged, stolen, or destroyed due to an event other than a collision, comprehensive coverage can pay for the damages. These claims are also subject to your deductible, which you can select when purchasing your policy.
Property Damage Liability
If you damage property that does not belong to you, the owner can pursue you for compensation of damages. Property damage liability helps compensate victims for the losses you cause up to the limits of your policy.
Bodily Injury Liability
If you injure someone while riding your ATV, the owner can sue you for compensation of medical bills, lost wages, rehabilitative expenses, and more. Bodily injury liability coverage not only pays for settlements and judgments against you, but it can also cover the cost of legal fees and court costs up to the limits within your policy. Keep in mind that if you choose limits that are too low, you may still be responsible for paying any damages that exceed the coverage in your policy – even if it means dipping into your savings or make payments from your future income.
Medical Payments
When you or a passenger is injured while riding your ATV, medical payments coverage can compensate you for necessary medical expenses regardless of who was at-fault for the accident.
Uninsured/Underinsured
Many riders and motorists fail to purchase adequate insurance protection. Some purchase no insurance at all. If you or your passenger is injured by an uninsured motorist, you can rely on uninsured motorist insurance to provide compensation for medical expenses up to the limits of your policy. You can also purchase underinsured motorist coverage, which can pick up the balance of any damages that exceed the limits of an at-fault motorist’s coverage.
Special Equipment
If you’ve invested in special equipment for your ATV, it may not be fully covered under your standard insurance policy. Talk to your agent if you think you may need additional protection for your after-market parts, upgrades, and other enhancements you’ve made to your vehicle.
How Much Coverage Do You Need?
It is virtually impossible to know how much you could lose in an ATV accident or other loss event, whether due to damages, injuries, or even a lawsuit. However, you can take steps to better safeguard yourself and your assets against the possibility of a loss. While we typically recommend purchasing comprehensive protection that encompasses many different types of risks, we also know there is no one-size-fits-all policy. That is why we consider many different factors when making coverage recommendations, some of which include:
- How you use your ATV most
- Where you ride
- The passengers who ride with you
- The value of your income and assets
- The type, age, and value of your ATV
- And more
At Jarosch Insurance, we want all of our clients to feel confident in their ATV coverage. We also aim to make the shopping process as simple as possible by providing comparison quotes from multiple ATV insurers in one easy, no-hassle experience. We can help you narrow down your options and choose a policy that meets your unique needs – all at a competitive price that fits your budget.
ATV Insurance Discounts
In addition to comparison shopping on your behalf, we can also look for money-saving discounts that could further reduce your premiums. ATV insurance discounts are available from most insurers, although they can vary from company to company. Examples include savings for:
- Claims-free riders
- Accident and violation-free riders
- Storing your ATV during the off-season
- Passing a qualified ATV rider safety course
- Insuring multiple ATVs
- Purchasing other lines of coverage, such as homeowners or renters insurance
- Paying premiums in full
- Enrolling in automatic payments
- And more
Free ATV Insurance Quotes
If you are planning to buy a new ATV or want to explore better coverage options for your existing vehicle, we want to help you save. Contact Jarosch Insurance for more information or to request your free quotes. We look forward to serving you soon.