Sometimes, people assume their auto insurance will cover them while riding an ATV, especially if they don\u2019t ride often. However, this is usually not the case, and you will likely need to purchase a separate insurance policy to protect yourself and your ATV in case any type of incident occurs. <\/p>\n\n\n\n
This often holds true for home insurance as well. If you have a higher-limit home insurance policy and your ATV happens to be covered, it\u2019s possible the coverage provided may be limited. If you are unsure what your home policy protects you from, call to speak with one of our licensed insurance experts to help you learn more.<\/p>\n\n\n\n
Am I legally required to have ATV Insurance?<\/strong><\/h2>\n\n\n\nThere are certain circumstances where you will probably be required to have ATV insurance, regardless of the state you live in. Like your car, if you are leasing or financing your ATV, your lender will probably require you to have an insurance policy in place. Also, if you plan to ride in a state park, or enter a competitive sporting event, riders may be required to show proof of insurance before they can participate.1<\/sup><\/p>\n\n\n\nUnlike your car, you can ride an ATV in some areas without insurance, depending on where you ride or live. Since ATVs are usually not street legal, you may have to meet certain safety requirements, like wearing a helmet while riding, but insurance may not be one of them. However, this doesn\u2019t mean it\u2019s wise or even financially sound to ride your ATV without insurance. Check your local and state laws so you know what\u2019s required where you live and ride.<\/p>\n\n\n\n
Is ATV insurance expensive?<\/strong><\/h2>\n\n\n\nATVs can be expensive to purchase and maintain, especially newer models. It\u2019s wise to consider protecting your investment with an insurance policy, even if it may not legally be required for the type of riding you plan on doing.<\/p>\n\n\n\n
For the 5-year period from 2017 through 2021, there were an estimated 517,000 ATV-related emergency department-treated injuries in the United States.2<\/sup> While riding can be a blast, a single accident could cause extensive damage, both to you as a rider and to your ATV, resulting in medical bills and property damage. In general, basic policies can easily outweigh the expense of even one incident.<\/p>\n\n\n\nWhat\u2019s included in an ATV insurance policy? <\/strong><\/h2>\n\n\n\nDifferent types of damage-causing incidences can occur when you\u2019re an ATV rider, from collisions with other riders or objects to weather-related events like a hailstorm. The good news is, purchasing a separate ATV insurance policy can protect you from different types of occurrences:<\/p>\n\n\n\n
\n- Liability coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
Accidents happen. If you cause one that results in someone else getting injured or their property getting damaged, liability coverage can help pay for the other person\u2019s medical bills and\/or property repair.<\/p>\n\n\n\n
\n- Collision coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
Collisions with objects like fences and trees, happen more often than you might think. If your ATV is damaged after hitting an object or another vehicle, collision coverage may help you cover the repair costs of your ATV.<\/p>\n\n\n\n
\n- Comprehensive coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
Events caused by weather or unforeseen events, like a fire for example, can cause unexpected damages to your ATV. When damage is caused by events other than collisions, comprehensive coverage may help you pay to fix the damages.<\/p>\n\n\n\n
Who is Answer Financial?<\/strong><\/h2>\n\n\n\nIf you have more questions about ATV insurance, you\u2019ve come to the right place! As\u00a0one of the nation\u2019s largest auto & home insurance agencies<\/a>, we\u2019ve helped nearly 5 million customers find the right coverage for their homes and vehicles, including\u00a0ATVs, motorcycles, boats and snowmobiles<\/a>. We work with 40+ top-rated carriers to save our customers an average of $677 a year on their insurance needs.*<\/p>\n\n\n\n
Unlike your car, you can ride an ATV in some areas without insurance, depending on where you ride or live. Since ATVs are usually not street legal, you may have to meet certain safety requirements, like wearing a helmet while riding, but insurance may not be one of them. However, this doesn\u2019t mean it\u2019s wise or even financially sound to ride your ATV without insurance. Check your local and state laws so you know what\u2019s required where you live and ride.<\/p>\n\n\n\n
Is ATV insurance expensive?<\/strong><\/h2>\n\n\n\nATVs can be expensive to purchase and maintain, especially newer models. It\u2019s wise to consider protecting your investment with an insurance policy, even if it may not legally be required for the type of riding you plan on doing.<\/p>\n\n\n\n
For the 5-year period from 2017 through 2021, there were an estimated 517,000 ATV-related emergency department-treated injuries in the United States.2<\/sup> While riding can be a blast, a single accident could cause extensive damage, both to you as a rider and to your ATV, resulting in medical bills and property damage. In general, basic policies can easily outweigh the expense of even one incident.<\/p>\n\n\n\nWhat\u2019s included in an ATV insurance policy? <\/strong><\/h2>\n\n\n\nDifferent types of damage-causing incidences can occur when you\u2019re an ATV rider, from collisions with other riders or objects to weather-related events like a hailstorm. The good news is, purchasing a separate ATV insurance policy can protect you from different types of occurrences:<\/p>\n\n\n\n
\n- Liability coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
Accidents happen. If you cause one that results in someone else getting injured or their property getting damaged, liability coverage can help pay for the other person\u2019s medical bills and\/or property repair.<\/p>\n\n\n\n
\n- Collision coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
Collisions with objects like fences and trees, happen more often than you might think. If your ATV is damaged after hitting an object or another vehicle, collision coverage may help you cover the repair costs of your ATV.<\/p>\n\n\n\n
\n- Comprehensive coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
Events caused by weather or unforeseen events, like a fire for example, can cause unexpected damages to your ATV. When damage is caused by events other than collisions, comprehensive coverage may help you pay to fix the damages.<\/p>\n\n\n\n
Who is Answer Financial?<\/strong><\/h2>\n\n\n\nIf you have more questions about ATV insurance, you\u2019ve come to the right place! As\u00a0one of the nation\u2019s largest auto & home insurance agencies<\/a>, we\u2019ve helped nearly 5 million customers find the right coverage for their homes and vehicles, including\u00a0ATVs, motorcycles, boats and snowmobiles<\/a>. We work with 40+ top-rated carriers to save our customers an average of $677 a year on their insurance needs.*<\/p>\n\n\n\n
What\u2019s included in an ATV insurance policy? <\/strong><\/h2>\n\n\n\nDifferent types of damage-causing incidences can occur when you\u2019re an ATV rider, from collisions with other riders or objects to weather-related events like a hailstorm. The good news is, purchasing a separate ATV insurance policy can protect you from different types of occurrences:<\/p>\n\n\n\n
\n- Liability coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
Accidents happen. If you cause one that results in someone else getting injured or their property getting damaged, liability coverage can help pay for the other person\u2019s medical bills and\/or property repair.<\/p>\n\n\n\n
\n- Collision coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
Collisions with objects like fences and trees, happen more often than you might think. If your ATV is damaged after hitting an object or another vehicle, collision coverage may help you cover the repair costs of your ATV.<\/p>\n\n\n\n
\n- Comprehensive coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
Events caused by weather or unforeseen events, like a fire for example, can cause unexpected damages to your ATV. When damage is caused by events other than collisions, comprehensive coverage may help you pay to fix the damages.<\/p>\n\n\n\n
Who is Answer Financial?<\/strong><\/h2>\n\n\n\nIf you have more questions about ATV insurance, you\u2019ve come to the right place! As\u00a0one of the nation\u2019s largest auto & home insurance agencies<\/a>, we\u2019ve helped nearly 5 million customers find the right coverage for their homes and vehicles, including\u00a0ATVs, motorcycles, boats and snowmobiles<\/a>. We work with 40+ top-rated carriers to save our customers an average of $677 a year on their insurance needs.*<\/p>\n\n\n\n
Accidents happen. If you cause one that results in someone else getting injured or their property getting damaged, liability coverage can help pay for the other person\u2019s medical bills and\/or property repair.<\/p>\n\n\n\n
- \n
- Collision coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
Collisions with objects like fences and trees, happen more often than you might think. If your ATV is damaged after hitting an object or another vehicle, collision coverage may help you cover the repair costs of your ATV.<\/p>\n\n\n\n
- \n
- Comprehensive coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
Events caused by weather or unforeseen events, like a fire for example, can cause unexpected damages to your ATV. When damage is caused by events other than collisions, comprehensive coverage may help you pay to fix the damages.<\/p>\n\n\n\n
Who is Answer Financial?<\/strong><\/h2>\n\n\n\n
If you have more questions about ATV insurance, you\u2019ve come to the right place! As\u00a0one of the nation\u2019s largest auto & home insurance agencies<\/a>, we\u2019ve helped nearly 5 million customers find the right coverage for their homes and vehicles, including\u00a0ATVs, motorcycles, boats and snowmobiles<\/a>. We work with 40+ top-rated carriers to save our customers an average of $677 a year on their insurance needs.*<\/p>\n\n\n\n
- Comprehensive coverage<\/strong><\/li>\n<\/ul>\n\n\n\n
![\"Man](\"https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2020\/10\/ATV_Insurance-300x200.png\")
","author_link":"https:\/\/blog.answerfinancial.com\/author\/answerfinancial\/"},"yoast_head":"\r\n