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ATV – Side-by-side Insurance

ATV – Side-by-side Insurance

ATVs and side-by-sides are great for getting out into nature and enjoying some exhilarating fun in the wilderness. As fun as it is, though, this type of activity is not without risk. Because of this, you're going to want to have some level of insurance coverage to protect yourself and your vehicle. Not only that, but you may be required to have insurance in some cases. 

When ATV and Side-by-Side Insurance Is Required 

Every state has minimum insurance coverage requirements for cars and motorcycles, but this isn't always the case for ATVs and side-by-sides. Some states do require coverage, while others do not, so you'll need to check the laws in your specific area to know what to do. You may also need to have coverage if you plan to ride your vehicle in some state parks or on public lands. 

In addition, you'll likely need to have some level of coverage if you took out a loan to buy your ATV. Your lender will still expect you to pay back your loan, even if your vehicle is destroyed in an accident, so you want to make sure you have adequate protection. 

What Your Coverage Might Include 

The coverage components in ATV insurance are similar to those in other vehicle policies, often including the following: 

  • Liability - This coverage applies to any damage you cause while riding your ATV, whether to another person, their ATV, or other physical property. 
  • Collision - This applies to any damage to your own ATV or side-by-side if you cause an accident. 
  • Comprehensive - If your ATV is damaged due to a fire, earthquake, theft, vandalism, striking an animal, or other non-accident situation, this coverage can come into play. 
  • Uninsured/Underinsured Motorist - If you get into an accident with another ATV driver who doesn't have insurance or doesn't have enough coverage to pay for your medical bills or damage to your vehicle, this coverage can fill in the gaps. 

Protecting Your ATV or Side-by-Side 

Even if you aren't specifically required to have coverage for your ATV or side-by-side, it is still a good idea to have it, if only for your own comfort and peace of mind. Here at PowerSports Insurance Agency, we'll be happy to work with you to customize an insurance policy to protect your vehicle. Reach out to us today to get started.

Medical Payments covers injury to individuals riding in the vehicle regardless of who caused the accident. The same coverage limits will apply to all vehicles on the policy.

Accessory Coverage provides protection for additions, enhancements, or modifications to the vehicle that are not factory installed. This can include: Electronic equipment, sidecars, trailers, trike conversion kits, custom paint, plating or exhaust or mower blades.

In most cases comprehensive coverage is required prior to adding accessory coverage and comprehensive/collision deductibles apply.