What Does ATV Insurance Cover?

​An All-Terrain Vehicle (ATV) is a vehicle with a seat that is straddled by the driver, along with handlebars for steering control. It is designed like a motorcycle, with a bigger engine, and four (or sometimes three) wheels. ATVs can handle a wider variety of landscapes than other vehicles. 

ATVs can pose dangers to its riders or the people around it. Its maintenance can also be a bit expensive, that’s why ATV owners should consider having them insured. But how will you do it? What are the coverages? All of these will be tackled in this article.

ATV Insurance Coverage
Insurance companies cover ATVs under motorcycle insurance policies. The quoting process is the same; the only difference is data entry, where you enter ATV (instead of a motorcycle) on vehicle information. The compulsory coverages are as follows:

• Bodily Injury Liability
  It covers the damages associated with the accident, who are injured or killed with your ATV. It will also cover the legal fees. It will also cover the claim limits of the policy.
  
  
• Property Damage Liability
  It covers the damages to the property that the ATV caused. It has a claim limit per damage incident. The limit is much lower if you compare it with the Bodily Injury Liability insurance.

Here are some of the optional coverages for your ATV insurance:

• Medical Payments
  It pays for any medical expenses incurred. It includes surgeries, X-rays, hospital confinement, and transportation via ambulance. 
• Uninsured/Underinsured Motorist
  It pays for the damages whenever someone uninsured or underinsured hits you. This coverage will pay for your expenses.
• Collision 
  It covers for the damages to your ATV caused by collision with another vehicle, or if your ATV overturns. It is often required of owners who financed the purchase of their ATV, or if they are putting it up for rent.
• Comprehensive 
  It pays for the damages to your ATV that’s not caused by collisions. It will also cover losses if your ATV got stolen. If your ATV got damaged from flooding, earthquakes, vandalism, fire, etc., it would cover for it. 

Do you really need your ATV to be insured? Well, it depends on where you’re riding it. Although ATVs are street-legal, most countries do not permit ATVs on the road. Although they do not require ATV insurance on private property, it would be best that ATV riders consider getting insurance to protect themselves and others.

At Oncken Insurance Agency, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (281) 256-8310. You can also request a free quote by CLICKING HERE.