What You Need to Know About ATV Insurance

How much was your ATV? Could you lose that if it were stolen or damaged? Insurance can prevent that risk. With summer right around the corner and the best weather for ATV riding, enjoy your time knowing you are covered. When getting insurance for an ATV (all-terrain vehicle), its important to understand what kind of coverage you need and what options are available. In Nevada ATV insurance policies typically offer a range of coverage’s similar to those found in auto insurance, including liability, uninsured/under-insured motorist protection, and medical payments coverage. ATV insurance is not legally required to register or operate an ATV, but its highly recommended to protect yourself and others. Liability coverage – helps cover expenses if you or someone listed in your insurance policy are at fault in an accident that causes property damage or bodily injury. Uninsured/Under-insured motorist protection – helps cover repair expenses if a driver with little or no insurance damages your ATV. Custom parts/equipment coverage – helps protect against damages to custom enhancements made to your ATV. Medical payments coverage – helps cover medical bills if you or your passengers are injured in an accident. This doesn’t just apply to ATVs specifically this is also for quads, RZR’s, and UTVs. Some think that your ATV could be insured under your homeowner’s insurance policy. However homeowner’s insurance excludes motor vehicles of any kind with little exception. When it comes to your ATV, you will need to purchase a separate ATV insurance policy to have coverage on it. By understanding your coverage options and shopping around, you can ensure that your ATV is adequately protected.