It’s pretty obvious that, the more adventurous you get, the more risk you face. But regardless of how you use your ATVs, it’s important that you have the right insurance protection on them.
Whether you’re simply the adventure seeker along for the ride, or an avid hunter or trail rider, if you’re taking your ATV off-roading, you need specific coverage for your ATV just like you need for your cars.
Recreational and utility vehicles, like ATVs, are not covered under your standard home or auto insurance policies and should be listed on a policy to have liability and physical damage coverage.
What Does ATV Insurance Cover?
Your ATV insurance policy should include these 5 coverages:
- Bodily Injury and Property Damage Liability which pays for the injuries to others that are caused by your ATV, or it pays for damages you may cause to another person’s property.
- Collision Coverage which pays for any physical damage to your ATV. You simply pay the deductible you selected, and your collision coverage kicks in to pay the rest.
- Comprehensive Coverage which pays for damage to your ATV that’s caused by anything other than collision, such as fire, theft or vandalism. You simply pay the deductible you selected and your collision coverage pays the rest.
- Medical Payments which pays for medical treatment for you or your passengers if an ATV accident results in injuries.
- Uninsured / Underinsured Motorists which pays for any injuries that you may suffer from an accident that’s caused by another person that doesn’t have insurance, or doesn’t have enough insurance, up to the limits you select for your ATV insurance policy.
How Much ATV Insurance Do I Need?
Your policy limits may vary based on a number of factors, such as how you will be using your ATV, the value of your ATV, and your risk appetite (to name a few). Every policy is tailored to the specific needs of the rider. However, for all riders we recommend your ATV insurance policy limits should be at least $300,000.
How Much is ATV Insurance in OH?
Actually, the costs of ATV insurance in OH is fairly inexpensive – but your insurance premium is ultimately determined by these factors:
- The year, make, model, and engine size of your ATV. A used ATV with a smaller engine may cost less to insure than a new ATV with a larger engine (for example).
- Age of rider. Typically, the younger the rider, the higher your insurance rate.
- Driving record. A clean driving record and claims history can offer you a lower ATV insurance rate.
Need Help With Your ATV Insurance?
Whether it’s specific to your ATV, or even reviewing your overall insurance program – we’re here to help!
Here at The O’Neill Group we offer all types of insurance you could possibly need. But we also go beyond insurance to make sure that the people and things you love most are safe and protected.
Contact us today! (330) 334-1561 / insurance@oneillinsurance.com
We’ll gladly connect you with one of our Personal Account Managers, who can answer any questions you may have about your insurance program, and help you with all your insurance needs.
This article was adapted from Zywave. This is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice.
