Putting in work on the ranch, zipping through muddy trails, or hunting with your friends, your all-terrain vehicles are built to stand up to whatever you throw at it. As fun as ATVs can be, though, they can also be dangerous. You took on new risks when you bought your ATV, and you continue to take risks each time you fire up the engine. Sure, homeowners insurance may offer some limited protection, but usually not once you leave your own property. That’s why you need insurance that’s as tough as your all-terrain vehicle is.
Risks of Owning and Riding an ATV
What’s the worst that could happen? As it turns out, quite a lot. Just sitting in your garage, your ATV is at risk of being damaged by fire, falling objects, and other uncontrollable events. In addition, all-terrain vehicles carry a high theft rate. Of course, there are even more dangers when you’re riding. You could damage your ATV in a rollover, injure yourself in an accident, damage someone else’s property, or even injure someone while riding. Your helmet may protect your life, but your insurance protects your finances.
Types of ATV and UTV Insurance
ATV and UTV insurance policies feature varied coverage types. Your policy may include coverage for:
Collisions can leave your ATV damaged and in need of serious repairs. If you run into another vehicle or object or if another vehicle or object runs into you, collision coverage can help pay for the cost of restoring your ATV or reimburse you for its loss. A deductible applies to collision claims, which you can choose when purchasing your policy.
If your all-terrain vehicle’s body or mechanical structure is damaged by something other than collision, comprehensive coverage may pay for the repairs or compensate you for your loss. Like collision coverage, comprehensive claims are subject to a deductible of your choosing.
Property damage liability
When someone files a lawsuit against you for damages to their property while you were operating your ATV, your liability coverage can help pay for your defense costs, legal fees, and more. Choosing high liability limits improves the chances that your policy will cover all of the costs and that you will not be left with debt for the remaining damages.
Bodily injury liability
Injuries are common among ATV and UTV riders. If you are responsible for injuring someone while riding your ATV, you could be financially and legally liable for the medical bills, lost wages, and other related costs. For serious injuries, the damages can total tens or even hundreds of thousands of dollars. Having the right bodily injury liability limits reduces your risk exposure and out-of-pocket losses.
If you add medical payments coverage to your policy, you and your passengers will receive compensation if you are injured while riding your ATV, regardless of who is at-fault for the accident. Medical payments coverage is typically limited to only a few thousand dollars or less, but it could be enough to cover a health insurance deductible or an emergency room visit.
If you are struck by a car driven by an uninsured driver, it may be difficult to recover the cost of your medical bills and other injury-related expenses. Likewise, you could get stuck with a big bill if an at-fault driver has some, but too little insurance to meet your needs. With uninsured motorist and underinsured motorist protection, you are safeguarded against the negligence of other drivers even if they are not properly insured.
It’s hard to find an ATV or UTV without any upgrades, enhancements, or custom parts. Whether you have a snowplow, a winch, or a bow rack, make sure to cover it all with a flexible insurance policy that includes special equipment coverage.
How Much Coverage Do You Need?
Our ATV coverage is personalized to your needs – not generalized to fit the masses. An experienced agent like Frank Isadore can help you accurately assess your risks depending on a wide range of factors, some of which include:
- Where you ride your ATV
- Who rides with you
- The type and age of your ATV or UTV
- The income and assets you could lose in a lawsuit
- And more
ATV Insurance Discounts
Everyone wants to save money on insurance, so why not start with your ATV or UTV coverage? By shopping with an independent agent, you can compare rates on Illinois all-terrain vehicle insurance and apply any discounts you may qualify for, such as:
- Safe rider discounts
- Multiple policy discounts
- Multiple vehicle discounts
- Rider safety course discounts
- Paying for coverage in full
- And more
Free ATV Insurance Quotes
Wearing the right gear is just the start of responsible ATV and UTV use. To really get a handle on your riding experience and fully enjoy your off-road freedom, get an insurance policy that offers the protection necessary to safeguard yourself and your vehicle. It only takes a few minutes to meet with an agent, discuss your goals and preferences, and then narrow down your options to a solution that works for you. We can take the guesswork out of your search and help you find great coverage at a great price. Plus, we’ll be there to offer ongoing support as needed long after you purchase your policy.