Having an ATV can be an incredible experience. Being able to take on a variety of terrains and travel new trails with ease can be both exciting and liberating. If you’re an ATV enthusiast, then you know how much fun you can have out in the wild on the back of your ride. However, do you know what states require ATV insurance? Even if you live in one that doesn’t require it, it’s always a good idea to protect your vehicle. After all, anything can happen on the trail, so you want to be prepared.
At Findinsurance.com, we know how valuable your off-road vehicles are. Whether dirt bikes or ATVs, we understand that you want to keep the good times rolling. That’s why we connect you with the best ATV insurance companies so that you can always take to the trail with confidence and peace of mind.
State ATV Insurance Requirements
Do you know what states require ATV insurance? If not, you should double check to see what components you need in your policy. Usually, liability insurance is sufficient, but some states may require additional coverage. At Findinsurance.com, we put you in touch with local ATV insurance companies so that you can find this information quickly and efficiently. If you want to get ATV insurance online, we’re your premier resource.
Liability vs. Collision Coverage
If you have car insurance, then you may be familiar with these terms already. However, we want to be sure that you know what kind of policy is right for your needs. Liability insurance is there to protect you from claims against you for damages. For example, if you accidentally run into someone else’s property or damage any of their belongings while on your trek, you will be held liable. Having this insurance will prevent you from having to pay out of pocket or get sued.
Typically speaking, liability coverage is broken down into two categories – bodily injury and property damage. Many ATV insurance companies will let you bundle both into one policy, but it’s crucial that you understand there is a difference, and you may not get both when you sign up for liability insurance.
Collision insurance, on the other hand, is there to protect your ATV from any accidents. Depending on where you ride, the trails can get pretty gnarly, which means that there’s always a chance you could make a wrong turn or hit something that you didn’t see.
Because you’re never sure what can happen on the trail, you should get an ATV insurance quote for various types of coverage. This way, you can be ready for anything you may experience.
Other ATV Insurance Coverage
While liability and collision are going to be the primary options you will want to have, there are additional insurance choices that can benefit you. Also, some states require ATV insurance with some of these choices, so it may be necessary to understand what’s available.
- Comprehensive Insurance – this coverage protects against theft, vandalism, or environmental damage beyond your control.
- Uninsured Motorist – if you collide with another ATV or vehicle and the driver doesn’t have insurance, this policy will ensure that you don’t have to pay extra.
- OEM Endorsement – if your ATV is damaged and needs replacement parts, this coverage will ensure that you get original manufacture-recommended components, not after-market pieces.
Get an ATV Insurance Quote Today
At Findinsurance.com, we want you to take to the trail with confidence. If you’re looking for auto insurance policies in Los Angeles as well as ATV insurance, we can help you connect with the right carrier. Also, be sure to find out what states require ATV insurance so that you can understand what’s needed in your policy.