Insuring ATV Risks

All-terrain vehicles (ATVs) can be a lot of fun, but they can also lead to serious and expensive bodily injury claims if not used properly. If the worst happens, it’s important to know what insurance coverage you may have.

Auto Insurance Policy

Your auto insurance offers very little coverage for ATVs. The only exceptions are if the ATV causes an accident while being used in a medical emergency and for accidents caused by non-owned golf carts. There is no coverage for damage to the ATV itself.

Home Insurance Policy

A typical home insurance policy will cover liability arising from the use of the ATV if the injury occurs while being used in maintaining your residential premises, but it won’t cover injuries that occur elsewhere. Other exceptions are unlikely and should not be relied upon as a substitute for a separate ATV insurance policy.

To adequately protect your family from the exposures presented by the use of ATVs, consider purchasing an insurance policy designed for them. This way, you can be confident that most accidents will be covered regardless of where and how they happen. This is also how you purchase coverage to repair or replace the damaged ATV. For more information on an insurance policy designed for your ATV, call our service team today.


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