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Do You Need ATV Insurance Coverage? Important Coverage Options Under an ATV Policy

As an ATV enthusiast, you know that ATV riding is exciting, dangerous, and downright unpredictable.

While this is exactly what makes off-roading exciting, it’s also the reason that ATV insurance is so important.

While ATV insurance is not required in every state, this doesn’t mean you should forgo insurance. ATV insurance does more than just protect your liability in case of an accident; it can also provide valuable medical coverage, collision coverage, as well as coverage in case your ATV is stolen.

Here are some of the valuable coverage options that are available in an ATV insurance policy.


Liability coverage is the most common type of coverage when it comes to ATV insurance. It offers protection should you be at fault during an accident. It also offers coverage to help pay for medical bills if others were involved in an accident, as well as damage to others people’s property.

Collision and Comprehensive

Collision and comprehensive insurance coverage offers valuable coverage for your ATV. Collision offers coverage in the event that you damage your ATV during a ride, or collide with something such as a tree, or another ATV. Comprehensive coverage protects against things other than collision -such as falling trees, fires, vandalism, or theft.


Obviously, off-roading isn’t without risks. ATV-related injuries accounted for more than 107,000 emergency room visits in 2011. While accidents aren’t pleasant to think about, it’s good to know that you will be covered if something happens to you while you are out enjoying your ride. Purchase medical coverage -and don’t worry about anything other than staying safe while riding.

Uninsured Motorist Coverage

Accidents aren’t always your fault. Uninsured motorist coverage offers valuable protection in case you are hit by a driver who is uninsured or underinsured. With uninsured motorist coverage, you won’t be stuck footing the bill if the other driver is at fault, and uninsured.