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In fact, an insurance agent may be an ATV owner’s best friend when it comes to buying comprehensive insurance that transfers personal risks to an insurance company. Agents can help craft an insurance policy for riders at an appropriate premium.


They’ll ask how often the vehicle is used, for what purposes and on what types of terrain. Occasional riders driving on flat terrain or those using the vehicle for work purposes may only need basic liability insurance. Others who ride hard on unfamiliar off-road terrain may require broader insurance protection customized to their particular needs.

Types of Coverage

Liability coverage addresses bodily injury and property damages to others if the policyholder is found to be at fault in an accident.

Collision insurance generally covers damage to the ATV if the owner hits another vehicle or another vehicle collides with the owner’s ATV. Comprehensive coverage pays for damages to the ATV not caused by a collision, such as those from vandalism and falling objects. Losses due to fire, floods, other natural disasters, and theft are also absorbed.


Another crucial coverage is uninsured or underinsured motorist insurance to protect owners from the possibility of other drivers lacking liability insurance, or not having enough insurance, or funds to pay for the owner’s and his or her passengers’ injuries and damages. Other typical coverages include medical payments that may absorb the resulting cost from a covered accident, regardless of fault, and original equipment manufacturer (OEM) endorsements ensuring that damaged vehicles are repaired with new parts from the OEM.

Off-Road Vehicle


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