ATV Insurance

ATVs and other types of off-road vehicles can be a lot of fun for everyone, adding a thrill to exploring the countryside. Plus, unlike driving a car, you don't need a license or qualification to ride one. Because so many people think of ATVs as grown-up toys, they may not consider the benefits of having ATV insurance. However, if you or a rider gets into a collision, the extra coverage protects you personally.

All-Terrain Vehicle insurance covers costs caused by many ATV-specific hazards, including:

• Collisions
• Fires
• Theft
• Vandalism
• Hail
• Falling objects

At Kirtley Insurance, we don't just offer ATV coverage but coverage for all your off-road types of vehicles, including utility vehicles (UTVs), golf carts, dune buggies, trail bikes, go-karts, Segways, and more.

Depending on where you live, ATV insurance may be required if you plan to use the ATV on state-owned land. This can include national parks and forests, or if you're camping on federal campsites, such as KOA campgrounds and the like. Each state varies, but the Insurance Information Institute has information about the ATV insurance requirements for each state.

For people who own UTVs, having side-by-side insurance may also be required. Because these vehicles can achieve speeds up to 70 mph, much higher than a recreational dune buggy or ATV, the injuries from a rollover (the most common UTV accident) or other types of accidents are much worse.

UTV insurance is a specialized insurance policy for off-road vehicles designed for people who own side-by-side utility vehicles. It's a comprehensive policy that protects owners from being personally liable. It also may be required if you use your UTV for work-related tasks. If you have a commercial vehicle license to operate a UTV for work, you'll probably have to have insurance.

ATVs are fun, but if something goes wrong and the unforeseen happens, then having liability coverage can help ensure that your medical bills are covered and that you can repair or replace your ATV. Our ATV liability coverage ensures that you can get back on the road soon. And, if you have comprehensive insurance, you're covered for other damage, too.

There are several coverage levels for ATV insurance:

• Liability coverage protects you when you're operating the ATV. If the accident leads to injuries for yourself or passengers in another vehicle, the insurance covers the medical bills. Liability coverage also covers any property damages and lost wages from work missed due to the accident. If the accident is your fault, liability coverage also covers your legal costs.
• Medical cost coverage covers you and other riders if you're injured while riding the ATV.
• Collision coverage is similar to the collision coverage you have on your car and covers damages if your ATV collides with another vehicle or stationary object. It also covers you if you have a rollover accident.
• Comprehensive coverage provides compensation if your ATV is stolen or damaged or if there's a natural disaster. It also covers the ATV equipment and customized upgrades, and you may be able to carry the coverage for the life of your vehicle loan.
• Uninsured or underinsured motorist coverage protects you if you're involved in an accident with a driver who does not have light utility vehicle insurance. If you live in a state where ATV insurance isn't mandatory, it's probably an excellent option to protect yourself and your property.

Many ATV insurance policies cover riders and passengers, but if you plan on letting guests ride your ATV or UTV, having insurance to cover them protects you. If someone else is using your ATV and gets into an accident, you may be personally liable for medical bills.

Check with your insurance agent about which policies are best for covering your passengers, too.

Do you need insurance for your ATV? At Kirtley Insurance, we simplify the complex while providing a level of service rarely seen in the insurance industry. Our professional experts can help you find the right ATV insurance policy for your needs and guide you to the right amount of coverage to ensure that you and your riders are protected. We're a comprehensive insurance provider, so we can bundle your TV insurance with your homeowner's plan, auto insurance, or other coverage. Give us a call today or book a personalized consultation online today!